Clay County, SD Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 313 mortgage applications in Clay County, SD totaling $46.8 million, down 1% from 2014. The average application was for $149,000, and applicants reported an average income of $73,000. 58% of applications resulted in an originated loan and 12% were denied. The most active lender was First Dakota National Bak, with 46 applications, followed by Bank of the West and Cortrust Mortgage, 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 | 313 |
| Total Mortgage Loan Application Amount | $46,820,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $3,103,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,230,000 |
* 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 |
|---|---|---|---|---|
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,104,082,000 | 46 | $ 7,674,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 34 | $ 4,319,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 30 | $ 4,121,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 27 | $ 3,325,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 21 | $ 2,718,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 135,257,000 | 14 | $ 1,369,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 9 | $ 1,451,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 573,850,000 | 9 | $ 1,195,000 |
| Home Federal Bank 225 S MAIN SIOUX FALLS, SD 57104 |
* | $ 1,261,060,000 | 9 | $ 1,298,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 8 | $ 829,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 719,581,000 | 7 | $ 597,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 6 | $ 638,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,722,553,000 | 6 | $ 649,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 672,000 |
| Bank of Dixon County 117 E 3RD ST PONCA, NE 68770 |
* | $ 86,007,000 | 5 | $ 483,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 696,775,000 | 5 | $ 6,196,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 789,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 4 | $ 38,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 339,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 3 | $ 404,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 256,000 |
| Merchants State Bank 305 S MAIN ST PO BOX 399 FREEMAN, SD 57029 |
* | $ 153,283,000 | 3 | $ 126,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 271,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 208,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 333,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 2 | $ 376,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 345,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 186,200,000 | 2 | $ 468,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 2 | $ 265,000 |
| Altabank 33 E MAIN AMERICAN FORK, UT 84003 |
* | $ 1,079,951,000 | 2 | $ 155,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 2 | $ 302,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,166,657,000 | 2 | $ 109,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 1 | $ 125,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 82,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 192,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 309,182,000 | 1 | $ 80,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 53,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,037,913,000 | 1 | $ 100,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ 653,480,000 | 1 | $ 88,000 |
| Sioux Empire 5010 S SOLBERG AVE SIOUX FALLS, SD 57108 |
* | $ 90,123,000 | 1 | $ 85,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 8,576,299,000 | 1 | $ 128,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 340,053,000 | 1 | $ 152,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 107,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 1 | $ 225,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 1 | $ 133,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,951,538,000 | 1 | $ 825,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,371,232,000 | 1 | $ 128,000 |
| Security National Bank of South Dakota 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 178,444,000 | 1 | $ 8,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 128,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 114,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 164,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 518,733,000 | 1 | $ 41,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ 17,900,000 | 1 | $ 152,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 105,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 856,496,000 | 1 | $ 52,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,092,493,000 | 1 | $ 320,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 889,163,000 | 1 | $ 83,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 37,000 |
The tables below break down 2015 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 2015
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 | 192 | $30,532,000 | $159,000 | $3,103,000 | $74,000 | $992,000 |
| Refinancing | 90 | $15,062,000 | $167,000 | $1,417,000 | $74,000 | $1,230,000 |
| Home Improvement | 31 | $1,226,000 | $39,000 | $232,000 | $68,000 | $334,000 |
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 | 218 | $28,462,000 | $130,000 | $837,000 | $87,000 | $1,230,000 |
| Not applicable | 48 | $12,903,000 | $268,000 | $3,103,000 | $3,000 | $93,000 |
| Not Provided | 34 | $4,260,000 | $125,000 | $327,000 | $77,000 | $275,000 |
| Hispanic | 8 | $714,000 | $89,000 | $176,000 | $93,000 | $334,000 |
| American Indian or Alaskan Native | 3 | $222,000 | $74,000 | $205,000 | $106,000 | $145,000 |
| Asian | 2 | $259,000 | $129,000 | $134,000 | $61,000 | $65,000 |
| Black or African American | 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) | 231 | $36,236,000 | $156,000 | $3,103,000 | $84,000 | $1,230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,617,000 | $120,000 | $265,000 | $36,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,499,000 | $129,000 | $213,000 | $47,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,468,000 | $138,000 | $261,000 | $48,000 | $197,000 |
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 | 182 | $29,854,000 | $164,000 | $3,103,000 | $90,000 | $1,230,000 |
| Loan Purchased By The Institution | 39 | $4,571,000 | $117,000 | $228,000 | $6,000 | $93,000 |
| Application Denied By Financial Institution | 37 | $4,239,000 | $114,000 | $333,000 | $60,000 | $173,000 |
| Application Withdrawn By Applicant | 30 | $4,794,000 | $159,000 | $825,000 | $69,000 | $244,000 |
| Application Approved But Not Accepted | 19 | $2,775,000 | $146,000 | $275,000 | $76,000 | $146,000 |
| File Closed For Incompleteness | 6 | $587,000 | $97,000 | $232,000 | $90,000 | $219,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 12 | $992,000 | $82,000 | $320,000 | $53,000 | $120,000 |
| Debt-To-Income Ratio | 12 | $1,166,000 | $97,000 | $176,000 | $45,000 | $113,000 |
| Collateral | 3 | $381,000 | $127,000 | $220,000 | $104,000 | $173,000 |
| Credit Application Incomplete | 3 | $820,000 | $273,000 | $333,000 | $87,000 | $137,000 |
| Unverifiable Information | 1 | $18,000 | $18,000 | $18,000 | $72,000 | $72,000 |
| 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 |
| Other | 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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