Bennett County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 21 mortgage applications in Bennett County, SD totaling $2.7 million, down 30% from 2024. The average application was for $129,000, and applicants reported an average income of $88,000. 33% of applications resulted in an originated loan and 19% were denied. The most active lender was BMO Harris Bank NA, with 4 applications, followed by Security First Bank and Bankwest, Inc..
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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 | 21 |
| Total Mortgage Loan Application Amount | $2,725,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $143,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 4 | $ 520,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 455,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 420,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 200,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 350,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 215,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 215,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 55,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 25,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2025 mortgage applications in Bennett 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 Bennett County, SD in 2025
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 | 10 | $1,770,000 | $177,000 | $365,000 | $101,000 | $142,000 |
| Cash-out Refinancing | 4 | $550,000 | $137,000 | $185,000 | $56,000 | $143,000 |
| Home Improvement | 3 | $185,000 | $61,000 | $65,000 | $106,000 | $142,000 |
| Other Purpose | 3 | $195,000 | $65,000 | $75,000 | $80,000 | $125,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 13 | $1,925,000 | $148,000 | $365,000 | $96,000 | $143,000 |
| Not applicable | 3 | $305,000 | $101,000 | $215,000 | $0 | $0 |
| Not Provided | 3 | $355,000 | $118,000 | $195,000 | $74,000 | $86,000 |
| American Indian or Alaskan Native | 2 | $140,000 | $70,000 | $75,000 | $57,000 | $92,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 15 | $1,815,000 | $121,000 | $365,000 | $94,000 | $142,000 |
| FHA-insured (Federal Housing Administration) | 5 | $885,000 | $177,000 | $215,000 | $69,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 7 | $665,000 | $95,000 | $215,000 | $92,000 | $142,000 |
| Application Denied By Financial Institution | 4 | $610,000 | $152,000 | $185,000 | $59,000 | $135,000 |
| Application Withdrawn By Applicant | 3 | $565,000 | $188,000 | $365,000 | $81,000 | $142,000 |
| Loan Purchased By The Institution | 3 | $305,000 | $101,000 | $215,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $220,000 | $110,000 | $165,000 | $134,000 | $143,000 |
| Application Approved But Not Accepted | 2 | $360,000 | $180,000 | $195,000 | $99,000 | $113,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 17 | $2,115,000 | $124,000 | $365,000 | $96,000 | $143,000 |
| Debt-To-Income Ratio | 3 | $425,000 | $141,000 | $165,000 | $75,000 | $135,000 |
| Credit History | 1 | $185,000 | $185,000 | $185,000 | $14,000 | $14,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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