Beadle County, SD Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 286 mortgage applications in Beadle County, SD totaling $44.1 million, up 22% from 2016. The average application was for $154,000, and applicants reported an average income of $89,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was American Bank & Trust, with 69 applications, followed by First National Bank and Wells Fargo Bank NA.
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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 | 286 |
| Total Mortgage Loan Application Amount | $44,054,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $5,450,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $2,117,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 650,765,000 | 69 | $ 9,107,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 926,222,000 | 46 | $ 7,738,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 24 | $ 2,865,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 16 | $ 1,376,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 14 | $ 2,465,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 181,659,000 | 11 | $ 1,317,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 629,000,000 | 11 | $ 1,795,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,167,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,509,567,000 | 7 | $ 875,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 5 | $ 783,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 4 | $ 653,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 3 | $ 480,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 3 | $ 532,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,157,709,000 | 3 | $ 205,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 3 | $ 325,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 460,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,480,298,000 | 3 | $ 490,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 309,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 211,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,418,149,000 | 2 | $ 159,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 256,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 2 | $ 209,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 199,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 258,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 225,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,288,868,000 | 2 | $ 172,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 48,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 229,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,136,408,000 | 1 | $ 150,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 345,855,000 | 1 | $ 170,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 706,240,000 | 1 | $ 83,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 68,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 761,459,000 | 1 | $ 5,450,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 889,889,000 | 1 | $ 154,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 42,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 1 | $ 110,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 56,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 126,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 100,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 125,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 174,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 160,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 4,202,354,000 | 1 | $ 202,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 220,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 10,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 64,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 303,703,000 | 1 | $ 38,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 36,000 |
The tables below break down 2017 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 2017
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 | 161 | $27,881,000 | $173,000 | $5,450,000 | $70,000 | $1,696,000 |
| Refinancing | 96 | $13,823,000 | $143,000 | $700,000 | $122,000 | $2,117,000 |
| Home Improvement | 29 | $2,350,000 | $81,000 | $314,000 | $87,000 | $657,000 |
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 | 209 | $27,665,000 | $132,000 | $700,000 | $112,000 | $2,117,000 |
| Not applicable | 42 | $12,448,000 | $296,000 | $5,450,000 | $3,000 | $105,000 |
| Hispanic | 20 | $1,979,000 | $98,000 | $299,000 | $44,000 | $144,000 |
| Not Provided | 13 | $1,774,000 | $136,000 | $286,000 | $73,000 | $122,000 |
| Asian | 1 | $88,000 | $88,000 | $88,000 | $39,000 | $39,000 |
| Black or African American | 1 | $100,000 | $100,000 | $100,000 | $94,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 175 | $28,758,000 | $164,000 | $5,450,000 | $117,000 | $2,117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $5,406,000 | $117,000 | $631,000 | $38,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 38 | $5,089,000 | $133,000 | $275,000 | $50,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,801,000 | $177,000 | $289,000 | $53,000 | $138,000 |
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 | 163 | $28,483,000 | $174,000 | $5,450,000 | $116,000 | $2,117,000 |
| Application Denied By Financial Institution | 50 | $5,088,000 | $101,000 | $350,000 | $66,000 | $358,000 |
| Loan Purchased By The Institution | 35 | $5,435,000 | $155,000 | $299,000 | $6,000 | $105,000 |
| Application Withdrawn By Applicant | 19 | $2,359,000 | $124,000 | $229,000 | $64,000 | $138,000 |
| Application Approved But Not Accepted | 17 | $2,512,000 | $147,000 | $366,000 | $98,000 | $362,000 |
| File Closed For Incompleteness | 2 | $177,000 | $88,000 | $109,000 | $81,000 | $138,000 |
| 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 | 18 | $1,606,000 | $89,000 | $286,000 | $55,000 | $122,000 |
| Debt-To-Income Ratio | 9 | $913,000 | $101,000 | $289,000 | $54,000 | $107,000 |
| Collateral | 5 | $780,000 | $156,000 | $350,000 | $81,000 | $240,000 |
| Credit Application Incomplete | 2 | $287,000 | $143,000 | $144,000 | $88,000 | $95,000 |
| Unverifiable Information | 2 | $199,000 | $99,000 | $157,000 | $66,000 | $72,000 |
| Other | 1 | $60,000 | $60,000 | $60,000 | $358,000 | $358,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $154,000 | $154,000 | $154,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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