Brule County, SD Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 117 mortgage applications in Brule County, SD totaling $21.3 million, down 13% from 2022. The average application was for $181,000, and applicants reported an average income of $99,000. 49% of applications resulted in an originated loan and 19% were denied. The most active lender was First Interstate Bank, with 26 applications, followed by First Dakota National Bak 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 | 117 |
| Total Mortgage Loan Application Amount | $21,275,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $529,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 26 | $ 3,850,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 2,727,087,000 | 21 | $ 2,815,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 13 | $ 1,415,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 6 | $ 1,870,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 5 | $ 775,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 875,403,000 | 5 | $ 1,395,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 2,170,479,000 | 3 | $ 595,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 3 | $ 555,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 400,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 380,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 530,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 1,474,550,000 | 2 | $ 300,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 799,417,000 | 2 | $ 650,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 175,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 375,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,748,882,000 | 1 | $ 165,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 1 | $ 175,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 185,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 1 | $ 305,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 385,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 1 | $ 115,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 175,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 185,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 1,264,296,000 | 1 | $ 385,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 175,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 75,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 335,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 555,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 355,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 1 | $ 225,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 225,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
The tables below break down 2023 mortgage applications in Brule 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 Brule County, SD in 2023
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 | 73 | $14,755,000 | $202,000 | $735,000 | $103,000 | $529,000 |
| Refinancing | 15 | $2,235,000 | $149,000 | $555,000 | $86,000 | $179,000 |
| Cash-out Refinancing | 12 | $2,750,000 | $229,000 | $395,000 | $100,000 | $187,000 |
| Home Improvement | 8 | $510,000 | $63,000 | $155,000 | $116,000 | $255,000 |
| Other Purpose | 8 | $910,000 | $113,000 | $325,000 | $75,000 | $127,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 88 | $15,540,000 | $176,000 | $735,000 | $97,000 | $529,000 |
| Not applicable | 14 | $2,450,000 | $175,000 | $355,000 | $87,000 | $102,000 |
| Not Provided | 12 | $2,700,000 | $225,000 | $555,000 | $118,000 | $346,000 |
| American Indian or Alaskan Native | 2 | $270,000 | $135,000 | $185,000 | $84,000 | $84,000 |
| Hispanic | 1 | $315,000 | $315,000 | $315,000 | $81,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 94 | $16,680,000 | $177,000 | $735,000 | $104,000 | $529,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,485,000 | $191,000 | $335,000 | $87,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $825,000 | $165,000 | $265,000 | $67,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,285,000 | $257,000 | $355,000 | $56,000 | $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 | 57 | $9,405,000 | $165,000 | $515,000 | $111,000 | $346,000 |
| Application Denied By Financial Institution | 22 | $2,790,000 | $126,000 | $325,000 | $54,000 | $186,000 |
| Application Withdrawn By Applicant | 15 | $3,685,000 | $245,000 | $735,000 | $113,000 | $529,000 |
| Loan Purchased By The Institution | 15 | $3,215,000 | $214,000 | $385,000 | $98,000 | $185,000 |
| File Closed For Incompleteness | 5 | $1,465,000 | $293,000 | $555,000 | $130,000 | $189,000 |
| Application Approved But Not Accepted | 3 | $715,000 | $238,000 | $365,000 | $76,000 | $76,000 |
| 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 | 95 | $18,485,000 | $194,000 | $735,000 | $111,000 | $529,000 |
| Debt-To-Income Ratio | 10 | $1,410,000 | $141,000 | $325,000 | $45,000 | $84,000 |
| Credit History | 7 | $625,000 | $89,000 | $165,000 | $76,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $480,000 | $240,000 | $275,000 | $52,000 | $52,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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