Brookings County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 864 mortgage applications in Brookings County, SD totaling $253.3 million, up 10% from 2024. The average application was for $293,000, and applicants reported an average income of $150,000. 60% of applications resulted in an originated loan and 9% were denied. The most active lender was First Bank & Trust, with 296 applications, followed by Guaranteed Rate, Inc. and Citizens 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 | 864 |
| Total Mortgage Loan Application Amount | $253,290,000 |
| Average Mortgage Loan Application Amount | $293,000 |
| Highest Mortgage Loan Application Amount | $13,135,000 |
| Average Applicant Income | $150,000 |
| Highest Applicant Income | $5,348,000 |
* 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 |
|---|---|---|---|---|
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 296 | $ 72,900,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 57 | $ 17,725,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 51 | $ 13,755,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 36 | $ 12,510,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 21 | $ 5,395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 18 | $ 2,660,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 17 | $ 4,375,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 16 | $ 5,140,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 15 | $ 7,045,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 14 | $ 4,210,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 13 | $ 4,305,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 3,915,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 12 | $ 3,790,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 12 | $ 1,890,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,190,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 10 | $ 2,250,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 10 | $ 2,140,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 10 | $ 4,120,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 9 | $ 1,505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 8 | $ 2,040,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 8 | $ 2,030,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 8 | $ 410,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 7 | $ 7,305,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 6 | $ 650,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,910,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 1,460,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 6 | $ 1,780,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 5 | $ 2,235,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 5 | $ 1,615,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ n/a | 5 | $ 1,225,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 455,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 5 | $ 1,025,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 690,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 260,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 790,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 4 | $ 1,590,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 3 | $ 1,455,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 585,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ n/a | 3 | $ 695,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 3 | $ 1,705,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 3 | $ 1,245,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ n/a | 3 | $ 925,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 3 | $ 845,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 3 | $ 1,115,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 1,325,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 805,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 1,485,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 3 | $ 525,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ n/a | 2 | $ 330,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 310,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 620,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ n/a | 2 | $ 960,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ n/a | 2 | $ 310,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ n/a | 2 | $ 120,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 330,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 470,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 750,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 520,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 2 | $ 280,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 2 | $ 360,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 470,000 |
| Peoples State Bank of Plainview 100 4TH AVE SE PLAINVIEW, MN 55964 |
* | $ n/a | 1 | $ 425,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 115,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ n/a | 1 | $ 155,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 1 | $ 175,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ n/a | 1 | $ 65,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 725,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 305,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 295,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 115,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 1 | $ 235,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 375,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ n/a | 1 | $ 285,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ n/a | 1 | $ 275,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 185,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ n/a | 1 | $ 505,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ n/a | 1 | $ 25,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 13,135,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 345,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 305,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ n/a | 1 | $ 425,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 1 | $ 405,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 1 | $ 65,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 185,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 1 | $ 395,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 345,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 215,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 85,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 215,000 |
| Core Bank 12100 W CENTER RD OMAHA, NE 68118 |
* | $ n/a | 1 | $ 145,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 255,000 |
| Nova Financial & Investment Corporation 6245 E. BROADWAY BLVD., SUITE 400 TUCSON, AZ 85711 |
* | $ n/a | 1 | $ 365,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 725,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 1 | $ 345,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 345,000 |
| Security National Bank of Sd 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ n/a | 1 | $ 295,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ n/a | 1 | $ 375,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 475,000 |
| Colliers Mortgage LLC 90 SOUTH SEVENTH ST. SUITE 4300 MINNEAPOLIS, MN 55402 |
* | $ n/a | 1 | $ 7,105,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 1 | $ 385,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 335,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 55,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 1 | $ 245,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2025 mortgage applications in Brookings 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 Brookings 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 | 514 | $171,580,000 | $333,000 | $12,435,000 | $146,000 | $2,160,000 |
| Refinancing | 125 | $33,365,000 | $266,000 | $1,005,000 | $164,000 | $622,000 |
| Cash-out Refinancing | 86 | $30,240,000 | $351,000 | $13,135,000 | $119,000 | $547,000 |
| Other Purpose | 72 | $12,460,000 | $173,000 | $7,105,000 | $124,000 | $335,000 |
| Home Improvement | 67 | $5,645,000 | $84,000 | $1,055,000 | $240,000 | $5,348,000 |
| Not Applicable | 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 | 667 | $162,985,000 | $244,000 | $5,395,000 | $149,000 | $5,348,000 |
| Not applicable | 85 | $59,655,000 | $701,000 | $13,135,000 | $161,000 | $547,000 |
| Not Provided | 71 | $19,825,000 | $279,000 | $1,005,000 | $152,000 | $799,000 |
| Asian | 18 | $5,310,000 | $295,000 | $395,000 | $164,000 | $402,000 |
| Hispanic | 12 | $3,310,000 | $275,000 | $385,000 | $172,000 | $581,000 |
| Black or African American | 6 | $900,000 | $150,000 | $275,000 | $144,000 | $275,000 |
| American Indian or Alaskan Native | 5 | $1,305,000 | $261,000 | $415,000 | $84,000 | $97,000 |
| 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) | 688 | $198,550,000 | $288,000 | $13,135,000 | $159,000 | $5,348,000 |
| FHA-insured (Federal Housing Administration) | 85 | $22,625,000 | $266,000 | $495,000 | $99,000 | $229,000 |
| VA-guaranteed (Veterans Administration) | 85 | $30,705,000 | $361,000 | $1,435,000 | $121,000 | $374,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,410,000 | $235,000 | $375,000 | $77,000 | $95,000 |
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 | 519 | $166,695,000 | $321,000 | $13,135,000 | $156,000 | $5,348,000 |
| Loan Purchased By The Institution | 120 | $34,290,000 | $285,000 | $815,000 | $136,000 | $547,000 |
| Application Withdrawn By Applicant | 107 | $31,315,000 | $292,000 | $1,005,000 | $176,000 | $2,160,000 |
| Application Denied By Financial Institution | 78 | $14,260,000 | $182,000 | $575,000 | $100,000 | $622,000 |
| File Closed For Incompleteness | 26 | $4,290,000 | $165,000 | $415,000 | $107,000 | $307,000 |
| Application Approved But Not Accepted | 14 | $2,440,000 | $174,000 | $725,000 | $132,000 | $298,000 |
| 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 | 782 | $237,650,000 | $303,000 | $13,135,000 | $154,000 | $5,348,000 |
| Debt-To-Income Ratio | 35 | $8,035,000 | $229,000 | $575,000 | $112,000 | $622,000 |
| Credit History | 28 | $4,460,000 | $159,000 | $495,000 | $99,000 | $349,000 |
| Collateral | 6 | $1,050,000 | $175,000 | $365,000 | $157,000 | $205,000 |
| Credit Application Incomplete | 6 | $1,260,000 | $210,000 | $365,000 | $89,000 | $173,000 |
| Other | 3 | $365,000 | $121,000 | $235,000 | $87,000 | $121,000 |
| Unverifiable Information | 3 | $405,000 | $135,000 | $155,000 | $93,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $55,000 | $55,000 |
| 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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