Clay County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 416 mortgage applications in Clay County, SD totaling $93.1 million, up 9% from 2024. The average application was for $223,000, and applicants reported an average income of $116,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Plains Commerce Bank, with 37 applications, followed by First Dakota National Bak and First 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 | 416 |
| Total Mortgage Loan Application Amount | $93,140,000 |
| Average Mortgage Loan Application Amount | $223,000 |
| Highest Mortgage Loan Application Amount | $13,535,000 |
| Average Applicant Income | $116,000 |
| Highest Applicant Income | $1,079,000 |
* 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 |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 37 | $ 8,735,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 30 | $ 7,330,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 27 | $ 4,035,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 26 | $ 1,520,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 19 | $ 2,895,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ n/a | 19 | $ 2,455,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 18 | $ 1,150,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 16 | $ 3,350,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ n/a | 15 | $ 1,455,000 |
| Bank of Dixon County 117 E 3RD ST PONCA, NE 68770 |
* | $ n/a | 13 | $ 2,125,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 12 | $ 3,660,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 11 | $ 2,675,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 8 | $ 1,480,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 7 | $ 1,975,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 7 | $ 1,455,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 7 | $ 1,735,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 6 | $ 1,130,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 1,130,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 1,035,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 4 | $ 950,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 4 | $ 1,610,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 1,220,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 1,010,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 4 | $ 680,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ n/a | 4 | $ 1,000,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 3 | $ 1,165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 815,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 635,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 105,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 3 | $ 765,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 305,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 975,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 3 | $ 665,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 995,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 305,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 3 | $ 395,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 155,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 3 | $ 65,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 540,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 270,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 2 | $ 150,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 680,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 430,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 330,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 670,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 90,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 510,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 450,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 430,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 1 | $ 65,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 105,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 145,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 185,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 285,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 285,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 235,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 1 | $ 55,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ n/a | 1 | $ 625,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 45,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 65,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 315,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 385,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 275,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 275,000 |
| Security National Bank of Sd 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ n/a | 1 | $ 95,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 55,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ n/a | 1 | $ 745,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ n/a | 1 | $ 315,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 125,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 495,000 |
| Bridgewater Bank 4450 EXCELSIOR BOULEVARD ST. LOUIS PARK, MN 55416 |
* | $ n/a | 1 | $ 13,535,000 |
| Premier Bank 1004 21ST AVENUE ROCK VALLEY, IA 51247 |
* | $ n/a | 1 | $ 55,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 1 | $ 175,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ n/a | 1 | $ 65,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ n/a | 1 | $ 375,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 255,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 85,000 |
| Frontier Bank 301 FIRST AVE ROCK RAPIDS, IA 51241 |
* | $ n/a | 1 | $ 1,125,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2025 mortgage applications in Clay 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 Clay 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 | 235 | $61,415,000 | $261,000 | $13,535,000 | $112,000 | $630,000 |
| Refinancing | 63 | $15,375,000 | $244,000 | $1,125,000 | $133,000 | $456,000 |
| Cash-out Refinancing | 60 | $10,730,000 | $178,000 | $505,000 | $108,000 | $320,000 |
| Home Improvement | 33 | $2,855,000 | $86,000 | $275,000 | $115,000 | $556,000 |
| Other Purpose | 24 | $2,630,000 | $109,000 | $445,000 | $144,000 | $1,079,000 |
| Not Applicable | 1 | $135,000 | $135,000 | $135,000 | $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 | 303 | $57,975,000 | $191,000 | $805,000 | $120,000 | $1,079,000 |
| Not applicable | 42 | $23,850,000 | $567,000 | $13,535,000 | $251,000 | $251,000 |
| Not Provided | 40 | $6,040,000 | $151,000 | $665,000 | $91,000 | $320,000 |
| Hispanic | 18 | $2,660,000 | $147,000 | $245,000 | $133,000 | $391,000 |
| American Indian or Alaskan Native | 6 | $1,210,000 | $201,000 | $365,000 | $100,000 | $335,000 |
| Asian | 6 | $1,240,000 | $206,000 | $305,000 | $75,000 | $118,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $82,000 | $82,000 |
| 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) | 340 | $74,590,000 | $219,000 | $13,535,000 | $118,000 | $630,000 |
| FHA-insured (Federal Housing Administration) | 38 | $9,210,000 | $242,000 | $385,000 | $117,000 | $1,079,000 |
| VA-guaranteed (Veterans Administration) | 32 | $8,550,000 | $267,000 | $485,000 | $97,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $790,000 | $131,000 | $185,000 | $79,000 | $87,000 |
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 | 244 | $48,430,000 | $198,000 | $1,125,000 | $123,000 | $630,000 |
| Application Denied By Financial Institution | 66 | $9,880,000 | $149,000 | $745,000 | $90,000 | $1,079,000 |
| Application Withdrawn By Applicant | 44 | $23,950,000 | $544,000 | $13,535,000 | $139,000 | $502,000 |
| Loan Purchased By The Institution | 32 | $7,490,000 | $234,000 | $805,000 | $167,000 | $391,000 |
| File Closed For Incompleteness | 21 | $2,405,000 | $114,000 | $275,000 | $71,000 | $116,000 |
| Application Approved But Not Accepted | 9 | $985,000 | $109,000 | $365,000 | $72,000 | $165,000 |
| 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 | 330 | $66,800,000 | $202,000 | $1,125,000 | $123,000 | $630,000 |
| Debt-To-Income Ratio | 38 | $18,540,000 | $487,000 | $13,535,000 | $78,000 | $208,000 |
| Credit History | 31 | $4,085,000 | $131,000 | $745,000 | $108,000 | $1,079,000 |
| Credit Application Incomplete | 6 | $1,000,000 | $166,000 | $425,000 | $98,000 | $320,000 |
| Collateral | 5 | $1,175,000 | $235,000 | $615,000 | $123,000 | $261,000 |
| Other | 2 | $500,000 | $250,000 | $355,000 | $61,000 | $72,000 |
| Unverifiable Information | 2 | $490,000 | $245,000 | $385,000 | $158,000 | $173,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $550,000 | $275,000 | $295,000 | $74,000 | $74,000 |
| 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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