Charles Mix County, SD Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 149 mortgage applications in Charles Mix County, SD totaling $24.7 million, down 34% from 2020. The average application was for $165,000, and applicants reported an average income of $82,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was CU Mortgage Direct, LLC, with 15 applications, followed by Plains Commerce Bank and American Bank & Trust.
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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 | 149 |
| Total Mortgage Loan Application Amount | $24,685,000 |
| Average Mortgage Loan Application Amount | $165,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $344,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 15 | $ 2,505,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 12 | $ 2,490,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 10 | $ 1,840,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,776,882,000 | 9 | $ 1,365,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 7 | $ 865,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 5 | $ 455,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 5 | $ 655,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 5 | $ 865,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 570,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 730,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 520,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 4 | $ 570,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 825,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 3 | $ 505,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 2 | $ 170,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,041,578,000 | 2 | $ 400,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 306,222,000 | 2 | $ 360,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 2 | $ 340,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 2 | $ 820,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 2 | $ 380,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 700,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 200,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 2 | $ 190,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 2 | $ 260,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 790,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 250,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 205,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 471,230,000 | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 205,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 1 | $ 235,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 1 | $ 115,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 1 | $ 205,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 45,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 205,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 1 | $ 265,000 |
| Black Hills Community Bank, NA 840 MT. RUSHMORE RD. RAPID CITY, SD 57701 |
* | $ 299,697,000 | 1 | $ 85,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 55,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,339,634,000 | 1 | $ 105,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,097,505,000 | 1 | $ 205,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2021 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 2021
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 | 65 | $10,785,000 | $165,000 | $455,000 | $81,000 | $344,000 |
| Refinancing | 51 | $9,205,000 | $180,000 | $335,000 | $93,000 | $226,000 |
| Cash-out Refinancing | 24 | $4,210,000 | $175,000 | $445,000 | $74,000 | $140,000 |
| Home Improvement | 5 | $235,000 | $47,000 | $85,000 | $47,000 | $74,000 |
| Other Purpose | 4 | $250,000 | $62,000 | $165,000 | $73,000 | $84,000 |
| 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 | 114 | $19,580,000 | $171,000 | $455,000 | $85,000 | $344,000 |
| American Indian or Alaskan Native | 15 | $1,795,000 | $119,000 | $195,000 | $51,000 | $75,000 |
| Not Provided | 12 | $2,000,000 | $166,000 | $285,000 | $93,000 | $173,000 |
| Not applicable | 8 | $1,310,000 | $163,000 | $265,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 106 | $17,960,000 | $169,000 | $455,000 | $90,000 | $344,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,040,000 | $152,000 | $265,000 | $60,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,260,000 | $105,000 | $155,000 | $47,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,425,000 | $220,000 | $445,000 | $73,000 | $140,000 |
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 | 83 | $13,465,000 | $162,000 | $405,000 | $83,000 | $226,000 |
| Application Withdrawn By Applicant | 25 | $4,385,000 | $175,000 | $415,000 | $86,000 | $337,000 |
| Application Denied By Financial Institution | 20 | $3,640,000 | $182,000 | $455,000 | $66,000 | $140,000 |
| Loan Purchased By The Institution | 13 | $1,885,000 | $145,000 | $295,000 | $63,000 | $129,000 |
| File Closed For Incompleteness | 5 | $805,000 | $161,000 | $205,000 | $78,000 | $104,000 |
| Application Approved But Not Accepted | 2 | $390,000 | $195,000 | $335,000 | $234,000 | $344,000 |
| Preapproval Approved but not Accepted | 1 | $115,000 | $115,000 | $115,000 | $31,000 | $31,000 |
| 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 | 129 | $21,045,000 | $163,000 | $415,000 | $85,000 | $344,000 |
| Credit History | 6 | $700,000 | $116,000 | $205,000 | $62,000 | $115,000 |
| Collateral | 5 | $1,285,000 | $257,000 | $455,000 | $83,000 | $140,000 |
| Other | 4 | $490,000 | $122,000 | $205,000 | $60,000 | $96,000 |
| Debt-To-Income Ratio | 4 | $1,050,000 | $262,000 | $445,000 | $55,000 | $104,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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