Brookings County, SD Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 509 mortgage applications in Brookings County, SD totaling $123.0 million, down 32% from 2013. The average application was for $241,000, and applicants reported an average income of $71,000. 54% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank NA, with 103 applications, followed by US Bank, N.A. and Dacotah Bank.
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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 | 509 |
| Total Mortgage Loan Application Amount | $122,962,000 |
| Average Mortgage Loan Application Amount | $241,000 |
| Highest Mortgage Loan Application Amount | $16,400,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $1,587,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 103 | $ 13,257,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 49 | $ 6,623,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,106,311,000 | 34 | $ 15,092,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 32 | $ 4,213,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,251,718,000 | 28 | $ 20,266,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,804,174,000 | 24 | $ 19,632,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 14 | $ 2,202,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 515,115,000 | 13 | $ 3,431,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 11 | $ 2,177,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 9 | $ 1,408,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 1,265,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 8 | $ 1,448,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 8 | $ 1,490,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 8 | $ 1,347,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 1,154,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,375,260,000 | 7 | $ 905,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 6 | $ 712,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 677,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 977,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 252,497,000 | 6 | $ 532,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,045,519,000 | 5 | $ 5,434,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 850,750,000 | 5 | $ 271,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 208,945,000 | 4 | $ 667,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 4 | $ 677,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,269,540,000 | 4 | $ 781,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 4 | $ 562,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 4 | $ 573,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 580,156,000 | 3 | $ 485,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,011,858,000 | 3 | $ 1,537,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 154,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 3 | $ 367,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 611,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 198,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 3 | $ 445,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 337,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 229,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 2 | $ 358,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 556,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 409,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,468,863,000 | 2 | $ 74,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 420,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 281,036,000 | 2 | $ 332,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 2 | $ 429,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 1 | $ 110,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 841,451,000 | 1 | $ 125,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 722,823,000 | 1 | $ 30,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 128,245,000 | 1 | $ 185,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 267,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 221,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 185,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 340,728,000 | 1 | $ 289,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 1 | $ 30,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 232,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 175,432,000 | 1 | $ 132,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 187,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 153,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 926,944,000 | 1 | $ 38,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 160,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 245,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 150,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,374,757,000 | 1 | $ 241,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 211,553,000 | 1 | $ 176,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ 99,860,000 | 1 | $ 15,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 106,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 654,394,000 | 1 | $ 150,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 416,466,000 | 1 | $ 122,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 120,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 120,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 149,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 169,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ 26,494,000 | 1 | $ 123,000 |
| Crescom Bank 288 MEETING ST CHARLESTON, SC 29401 |
* | $ 880,029,000 | 1 | $ 158,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,099,031,000 | 1 | $ 336,000 |
The tables below break down 2014 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 2014
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 | 298 | $45,310,000 | $152,000 | $936,000 | $57,000 | $322,000 |
| Refinancing | 174 | $75,187,000 | $432,000 | $16,400,000 | $90,000 | $1,587,000 |
| Home Improvement | 37 | $2,465,000 | $66,000 | $717,000 | $83,000 | $734,000 |
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 | 367 | $57,756,000 | $157,000 | $3,250,000 | $85,000 | $1,587,000 |
| Not applicable | 105 | $59,852,000 | $570,000 | $16,400,000 | $12,000 | $155,000 |
| Not Provided | 28 | $3,975,000 | $141,000 | $289,000 | $98,000 | $512,000 |
| Asian | 4 | $609,000 | $152,000 | $215,000 | $81,000 | $108,000 |
| Hispanic | 2 | $286,000 | $143,000 | $160,000 | $66,000 | $77,000 |
| American Indian or Alaskan Native | 2 | $404,000 | $202,000 | $210,000 | $71,000 | $87,000 |
| Black or African American | 1 | $80,000 | $80,000 | $80,000 | $135,000 | $135,000 |
| 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) | 308 | $91,521,000 | $297,000 | $16,400,000 | $90,000 | $1,587,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 86 | $12,222,000 | $142,000 | $230,000 | $23,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 70 | $12,403,000 | $177,000 | $378,000 | $55,000 | $157,000 |
| FHA-insured (Federal Housing Administration) | 45 | $6,816,000 | $151,000 | $236,000 | $56,000 | $177,000 |
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 | 276 | $72,728,000 | $263,000 | $16,400,000 | $87,000 | $1,587,000 |
| Loan Purchased By The Institution | 115 | $17,107,000 | $148,000 | $417,000 | $31,000 | $260,000 |
| Application Denied By Financial Institution | 63 | $8,938,000 | $141,000 | $1,300,000 | $71,000 | $687,000 |
| Application Withdrawn By Applicant | 36 | $21,373,000 | $593,000 | $16,100,000 | $82,000 | $322,000 |
| Application Approved But Not Accepted | 12 | $2,128,000 | $177,000 | $760,000 | $49,000 | $112,000 |
| File Closed For Incompleteness | 7 | $688,000 | $98,000 | $149,000 | $66,000 | $115,000 |
| 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 | 16 | $1,668,000 | $104,000 | $265,000 | $60,000 | $132,000 |
| Debt-To-Income Ratio | 15 | $2,058,000 | $137,000 | $277,000 | $40,000 | $74,000 |
| Collateral | 3 | $521,000 | $173,000 | $349,000 | $88,000 | $109,000 |
| Credit Application Incomplete | 3 | $351,000 | $117,000 | $136,000 | $71,000 | $114,000 |
| Other | 3 | $1,433,000 | $477,000 | $1,300,000 | $125,000 | $304,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $272,000 | $136,000 | $149,000 | $42,000 | $51,000 |
| Unverifiable Information | 1 | $122,000 | $122,000 | $122,000 | $32,000 | $32,000 |
| 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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