Charles Mix County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 109 mortgage applications in Charles Mix County, SD totaling $26.3 million, up 25% from 2024. The average application was for $240,000, and applicants reported an average income of $125,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was Plains Commerce Bank, with 8 applications, followed by American Bank & Trust and CU Mortgage Direct, LLC.
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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 | 109 |
| Total Mortgage Loan Application Amount | $26,255,000 |
| Average Mortgage Loan Application Amount | $240,000 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $125,000 |
| Highest Applicant Income | $675,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 8 | $ 2,750,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 8 | $ 2,070,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 8 | $ 1,540,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 7 | $ 2,385,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 5 | $ 745,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 4 | $ 1,850,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 1,200,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 375,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 935,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 815,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 3 | $ 385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 365,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 235,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 250,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ n/a | 2 | $ 570,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 80,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 2 | $ 770,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 460,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 440,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 205,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 1 | $ 305,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 245,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 55,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 1 | $ 155,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 175,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 65,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 155,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ n/a | 1 | $ 125,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ n/a | 1 | $ 65,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 1 | $ 365,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 85,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 105,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 365,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 635,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 195,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 1 | $ 165,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 1 | $ 645,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 85,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 1,355,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 645,000 |
The tables below break down 2025 mortgage applications in Charles Mix 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 Charles Mix 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 | 49 | $13,505,000 | $275,000 | $1,355,000 | $106,000 | $445,000 |
| Refinancing | 26 | $9,420,000 | $362,000 | $765,000 | $234,000 | $675,000 |
| Cash-out Refinancing | 21 | $2,385,000 | $113,000 | $215,000 | $95,000 | $194,000 |
| Other Purpose | 9 | $725,000 | $80,000 | $205,000 | $125,000 | $255,000 |
| Home Improvement | 4 | $220,000 | $55,000 | $95,000 | $58,000 | $110,000 |
| 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 | 83 | $20,155,000 | $242,000 | $765,000 | $135,000 | $675,000 |
| Not applicable | 14 | $4,700,000 | $335,000 | $1,355,000 | $170,000 | $170,000 |
| Not Provided | 6 | $630,000 | $105,000 | $195,000 | $45,000 | $77,000 |
| American Indian or Alaskan Native | 5 | $675,000 | $135,000 | $175,000 | $71,000 | $79,000 |
| Hispanic | 1 | $95,000 | $95,000 | $95,000 | $47,000 | $47,000 |
| 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) | 80 | $19,270,000 | $240,000 | $1,355,000 | $139,000 | $675,000 |
| VA-guaranteed (Veterans Administration) | 14 | $4,270,000 | $305,000 | $645,000 | $80,000 | $139,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,315,000 | $178,000 | $365,000 | $81,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $400,000 | $200,000 | $235,000 | $67,000 | $68,000 |
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 | 61 | $15,275,000 | $250,000 | $1,355,000 | $119,000 | $445,000 |
| Application Withdrawn By Applicant | 15 | $4,115,000 | $274,000 | $565,000 | $204,000 | $675,000 |
| Application Denied By Financial Institution | 14 | $2,840,000 | $202,000 | $765,000 | $75,000 | $175,000 |
| Loan Purchased By The Institution | 9 | $2,775,000 | $308,000 | $645,000 | $170,000 | $170,000 |
| Application Approved But Not Accepted | 5 | $395,000 | $79,000 | $205,000 | $114,000 | $220,000 |
| File Closed For Incompleteness | 5 | $855,000 | $171,000 | $385,000 | $81,000 | $137,000 |
| 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 | 94 | $23,350,000 | $248,000 | $1,355,000 | $133,000 | $675,000 |
| Collateral | 5 | $1,255,000 | $251,000 | $765,000 | $66,000 | $93,000 |
| Debt-To-Income Ratio | 4 | $830,000 | $207,000 | $565,000 | $86,000 | $121,000 |
| Other | 2 | $370,000 | $185,000 | $275,000 | $80,000 | $113,000 |
| Credit History | 2 | $80,000 | $40,000 | $55,000 | $105,000 | $175,000 |
| Unverifiable Information | 1 | $255,000 | $255,000 | $255,000 | $105,000 | $105,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $20,000 | $20,000 |
| 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 |
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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