Brown County, SD Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 759 mortgage applications in Brown County, SD totaling $177.4 million, up 8% from 2023. The average application was for $233,000, and applicants reported an average income of $122,000. 64% of applications resulted in an originated loan and 12% were denied. The most active lender was Dacotah Bank, with 144 applications, followed by US Bank, N.A. and Plains Commerce 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 | 759 |
| Total Mortgage Loan Application Amount | $177,385,000 |
| Average Mortgage Loan Application Amount | $233,000 |
| Highest Mortgage Loan Application Amount | $11,005,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $7,806,000 |
* 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 |
|---|---|---|---|---|
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 144 | $ 30,710,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 59 | $ 11,815,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 49 | $ 9,335,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 40 | $ 9,090,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 40 | $ 7,770,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 31 | $ 6,905,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ n/a | 30 | $ 3,720,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 30 | $ 7,370,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 26 | $ 9,220,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 24 | $ 1,290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 23 | $ 5,045,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 20 | $ 4,890,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 13 | $ 3,105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 11 | $ 1,735,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 10 | $ 1,960,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 1,425,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 2,215,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 8 | $ 340,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 1,815,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 7 | $ 765,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 6 | $ 1,340,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 6 | $ 2,430,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 1,720,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 1,475,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 5 | $ 525,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 1,145,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 5 | $ 635,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 735,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 4 | $ 790,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 4 | $ 1,040,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,020,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ n/a | 4 | $ 820,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 1,110,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 3 | $ 675,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 3 | $ 575,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 575,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 635,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 3 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 325,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 220,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 650,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ n/a | 2 | $ 540,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 2 | $ 440,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 2 | $ 550,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ n/a | 2 | $ 440,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 2 | $ 380,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 370,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 470,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 2 | $ 390,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 370,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 380,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 200,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 300,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 265,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 125,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 1 | $ 235,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 225,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 705,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 275,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ n/a | 1 | $ 255,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 295,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 165,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 85,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 185,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| New Market Bank 101 OLD TOWN RD ELKO NEW MARKET, MN 55054 |
* | $ n/a | 1 | $ 285,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 285,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 1 | $ 105,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 155,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 165,000 |
| Gardner Financial Services 3503 PAESANOS PKWY SAN ANTONIO, TX 78259 |
* | $ n/a | 1 | $ 255,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 1 | $ 245,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 1 | $ 405,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 65,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 10,405,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ n/a | 1 | $ 11,005,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ n/a | 1 | $ 45,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 55,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ n/a | 1 | $ 255,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 225,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 405,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 175,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 195,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ n/a | 1 | $ 215,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2024 mortgage applications in Brown 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 Brown County, SD in 2024
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 | 495 | $122,685,000 | $247,000 | $11,005,000 | $110,000 | $1,215,000 |
| Cash-out Refinancing | 81 | $16,155,000 | $199,000 | $705,000 | $94,000 | $285,000 |
| Refinancing | 75 | $28,165,000 | $375,000 | $10,405,000 | $273,000 | $7,806,000 |
| Home Improvement | 56 | $7,290,000 | $130,000 | $4,215,000 | $124,000 | $1,059,000 |
| Other Purpose | 50 | $2,980,000 | $59,000 | $305,000 | $110,000 | $411,000 |
| Not Applicable | 2 | $110,000 | $55,000 | $75,000 | $72,000 | $72,000 |
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 | 553 | $110,375,000 | $199,000 | $2,095,000 | $124,000 | $7,806,000 |
| Not applicable | 101 | $48,125,000 | $476,000 | $11,005,000 | $126,000 | $255,000 |
| Not Provided | 52 | $9,120,000 | $175,000 | $505,000 | $121,000 | $580,000 |
| Hispanic | 27 | $4,865,000 | $180,000 | $405,000 | $106,000 | $650,000 |
| American Indian or Alaskan Native | 17 | $3,255,000 | $191,000 | $355,000 | $105,000 | $305,000 |
| Asian | 8 | $1,600,000 | $200,000 | $265,000 | $97,000 | $165,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $46,000 | $46,000 |
| 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) | 502 | $118,650,000 | $236,000 | $11,005,000 | $139,000 | $7,806,000 |
| FHA-insured (Federal Housing Administration) | 142 | $31,300,000 | $220,000 | $505,000 | $91,000 | $288,000 |
| VA-guaranteed (Veterans Administration) | 81 | $21,515,000 | $265,000 | $705,000 | $96,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $5,920,000 | $174,000 | $295,000 | $70,000 | $112,000 |
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 | 486 | $119,180,000 | $245,000 | $11,005,000 | $128,000 | $7,806,000 |
| Application Denied By Financial Institution | 91 | $18,135,000 | $199,000 | $4,215,000 | $94,000 | $650,000 |
| Loan Purchased By The Institution | 77 | $18,765,000 | $243,000 | $705,000 | $117,000 | $255,000 |
| Application Withdrawn By Applicant | 63 | $14,065,000 | $223,000 | $955,000 | $132,000 | $1,059,000 |
| File Closed For Incompleteness | 24 | $2,980,000 | $124,000 | $315,000 | $99,000 | $297,000 |
| Application Approved But Not Accepted | 18 | $4,260,000 | $236,000 | $655,000 | $127,000 | $400,000 |
| 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 | 664 | $147,490,000 | $222,000 | $10,405,000 | $127,000 | $7,806,000 |
| Debt-To-Income Ratio | 27 | $16,705,000 | $618,000 | $11,005,000 | $58,000 | $155,000 |
| Credit History | 26 | $3,460,000 | $133,000 | $765,000 | $115,000 | $650,000 |
| Collateral | 17 | $6,065,000 | $356,000 | $4,215,000 | $100,000 | $262,000 |
| Credit Application Incomplete | 12 | $1,860,000 | $155,000 | $485,000 | $119,000 | $500,000 |
| Other | 6 | $700,000 | $116,000 | $275,000 | $107,000 | $255,000 |
| Employment History | 3 | $365,000 | $121,000 | $185,000 | $82,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $410,000 | $205,000 | $215,000 | $74,000 | $84,000 |
| Mortgage Insurance Denied | 1 | $245,000 | $245,000 | $245,000 | $106,000 | $106,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $56,000 | $56,000 |
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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