Charles Mix County, SD Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 109 mortgage applications in Charles Mix County, SD totaling $19.0 million, down 27% from 2021. The average application was for $174,000, and applicants reported an average income of $104,000. 55% of applications resulted in an originated loan and 16% were denied. The most active lender was CU Mortgage Direct, LLC, with 16 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 | 109 |
| Total Mortgage Loan Application Amount | $18,985,000 |
| Average Mortgage Loan Application Amount | $174,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $577,000 |
| 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 | 16 | $ 2,700,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 2,449,188,000 | 7 | $ 1,375,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,502,665,000 | 7 | $ 915,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 7 | $ 1,405,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 7 | $ 1,105,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 6 | $ 1,660,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 6 | $ 1,270,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 570,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 1,319,953,000 | 4 | $ 800,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 4 | $ 390,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 775,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 2 | $ 650,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ 857,401,000 | 2 | $ 380,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 360,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 100,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 220,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,668,615,000 | 2 | $ 720,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,760,455,000 | 1 | $ 545,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 145,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 75,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,889,083,000 | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,820,664,000 | 1 | $ 195,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 145,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 735,374,000 | 1 | $ 145,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 165,000 |
| Bluestone Federal Credit Union 5010 S SOLBERG AVE SIOUX FALLS, SD 57109 |
* | $ 177,429,000 | 1 | $ 35,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 467,757,000 | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 85,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 1 | $ 155,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 1 | $ 105,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 155,000 |
The tables below break down 2022 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 2022
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 | 57 | $10,575,000 | $185,000 | $615,000 | $99,000 | $341,000 |
| Cash-out Refinancing | 20 | $3,270,000 | $163,000 | $465,000 | $85,000 | $350,000 |
| Refinancing | 18 | $3,650,000 | $202,000 | $615,000 | $101,000 | $227,000 |
| Other Purpose | 8 | $590,000 | $73,000 | $155,000 | $148,000 | $311,000 |
| Home Improvement | 6 | $900,000 | $150,000 | $485,000 | $164,000 | $577,000 |
| 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 | 78 | $14,270,000 | $182,000 | $615,000 | $108,000 | $577,000 |
| Not applicable | 10 | $1,980,000 | $198,000 | $615,000 | $0 | $0 |
| Not Provided | 9 | $1,545,000 | $171,000 | $485,000 | $139,000 | $341,000 |
| American Indian or Alaskan Native | 9 | $885,000 | $98,000 | $165,000 | $53,000 | $86,000 |
| Hispanic | 3 | $305,000 | $101,000 | $155,000 | $40,000 | $45,000 |
| 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) | 83 | $15,605,000 | $188,000 | $615,000 | $108,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,015,000 | $155,000 | $285,000 | $135,000 | $577,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,145,000 | $104,000 | $165,000 | $49,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $220,000 | $110,000 | $145,000 | $43,000 | $45,000 |
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 | 60 | $11,280,000 | $188,000 | $615,000 | $113,000 | $350,000 |
| Application Withdrawn By Applicant | 18 | $2,520,000 | $140,000 | $415,000 | $86,000 | $227,000 |
| Application Denied By Financial Institution | 17 | $2,575,000 | $151,000 | $485,000 | $100,000 | $577,000 |
| Loan Purchased By The Institution | 10 | $1,920,000 | $192,000 | $615,000 | $73,000 | $109,000 |
| File Closed For Incompleteness | 4 | $690,000 | $172,000 | $285,000 | $91,000 | $135,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 89 | $15,995,000 | $179,000 | $615,000 | $104,000 | $350,000 |
| Debt-To-Income Ratio | 9 | $1,315,000 | $146,000 | $415,000 | $77,000 | $270,000 |
| Credit History | 4 | $490,000 | $122,000 | $165,000 | $212,000 | $577,000 |
| Collateral | 2 | $380,000 | $190,000 | $285,000 | $55,000 | $61,000 |
| Credit Application Incomplete | 2 | $190,000 | $95,000 | $95,000 | $35,000 | $67,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $214,000 | $214,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $485,000 | $485,000 | $485,000 | $42,000 | $42,000 |
| 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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