Beadle County, SD Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 177 mortgage applications in Beadle County, SD totaling $26.0 million, down 23% from 2014. The average application was for $146,000, and applicants reported an average income of $78,000. 53% of applications resulted in an originated loan and 19% were denied. The most active lender was First National Bank, with 34 applications, followed by Wells Fargo Bank NA and Franklin American Mortgage Company.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 177 |
| Total Mortgage Loan Application Amount | $26,005,000 |
| Average Mortgage Loan Application Amount | $146,000 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,634,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 793,515,000 | 34 | $ 5,558,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 16 | $ 1,153,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 13 | $ 1,882,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 8 | $ 658,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 7 | $ 592,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 889,163,000 | 7 | $ 794,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 7 | $ 969,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 6 | $ 789,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 573,850,000 | 5 | $ 884,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 4 | $ 489,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 3 | $ 543,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 186,200,000 | 3 | $ 1,051,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 325,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 428,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,166,657,000 | 3 | $ 2,724,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 445,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 285,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 310,000 |
| Quoin Financial Bank PO BOX 199 MILLER, SD 57362 |
* | $ 148,164,000 | 2 | $ 399,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 2 | $ 367,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 256,815,000 | 1 | $ 140,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,104,082,000 | 1 | $ 30,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 142,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 251,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 1 | $ 119,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 97,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 23,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 1 | $ 195,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 120,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 31,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 76,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 719,581,000 | 1 | $ 170,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 59,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 1 | $ 185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 137,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 137,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 135,257,000 | 1 | $ 158,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 1 | $ 133,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 133,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 139,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 238,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 296,000 |
The tables below break down 2015 mortgage applications in Beadle County, SD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Beadle County, SD in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 98 | $12,727,000 | $129,000 | $647,000 | $64,000 | $642,000 |
| Refinancing | 64 | $12,467,000 | $194,000 | $1,300,000 | $98,000 | $1,634,000 |
| Home Improvement | 15 | $811,000 | $54,000 | $253,000 | $80,000 | $264,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 122 | $17,753,000 | $145,000 | $1,300,000 | $101,000 | $1,634,000 |
| Not applicable | 37 | $6,359,000 | $171,000 | $915,000 | $1,000 | $42,000 |
| Not Provided | 10 | $1,190,000 | $119,000 | $249,000 | $115,000 | $458,000 |
| Hispanic | 7 | $598,000 | $85,000 | $131,000 | $28,000 | $77,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $33,000 | $33,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 106 | $18,401,000 | $173,000 | $1,300,000 | $105,000 | $1,634,000 |
| FHA-insured (Federal Housing Administration) | 37 | $3,602,000 | $97,000 | $204,000 | $35,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,133,000 | $101,000 | $163,000 | $31,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,869,000 | $143,000 | $256,000 | $56,000 | $118,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 94 | $15,977,000 | $169,000 | $1,300,000 | $100,000 | $1,634,000 |
| Application Denied By Financial Institution | 34 | $3,546,000 | $104,000 | $265,000 | $62,000 | $179,000 |
| Loan Purchased By The Institution | 33 | $4,317,000 | $130,000 | $375,000 | $44,000 | $642,000 |
| Application Withdrawn By Applicant | 12 | $1,744,000 | $145,000 | $277,000 | $57,000 | $118,000 |
| File Closed For Incompleteness | 2 | $268,000 | $134,000 | $137,000 | $14,000 | $29,000 |
| Application Approved But Not Accepted | 2 | $153,000 | $76,000 | $107,000 | $29,000 | $40,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 9 | $904,000 | $100,000 | $265,000 | $75,000 | $173,000 |
| Debt-To-Income Ratio | 6 | $526,000 | $87,000 | $140,000 | $46,000 | $135,000 |
| Collateral | 6 | $637,000 | $106,000 | $223,000 | $64,000 | $103,000 |
| Credit Application Incomplete | 2 | $153,000 | $76,000 | $85,000 | $90,000 | $130,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $179,000 | $179,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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