Clay County, SD Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 664 mortgage applications in Clay County, SD totaling $136.1 million, up 50% from 2019. The average application was for $204,000, and applicants reported an average income of $95,000. 60% of applications resulted in an originated loan and 13% were denied. The most active lender was First Dakota National Bak, with 98 applications, followed by Plains Commerce Bank 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 | 664 |
| Total Mortgage Loan Application Amount | $136,070,000 |
| Average Mortgage Loan Application Amount | $204,000 |
| Highest Mortgage Loan Application Amount | $23,005,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $454,000 |
* 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 |
* | $ 1,776,882,000 | 98 | $ 19,490,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 93 | $ 16,195,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 40 | $ 5,910,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 37 | $ 7,365,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 32 | $ 4,610,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 31 | $ 5,215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 24 | $ 3,230,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 22 | $ 3,700,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 18 | $ 650,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,041,578,000 | 16 | $ 2,060,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 13 | $ 2,945,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 1,024,331,000 | 12 | $ 1,810,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 11 | $ 1,925,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 10 | $ 1,790,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 10 | $ 330,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 2,365,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,630,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 5 | $ 175,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 306,222,000 | 5 | $ 765,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 5 | $ 1,115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 5 | $ 815,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 4 | $ 860,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,030,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 500,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,330,030,000 | 4 | $ 580,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 640,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 630,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 948,382,000 | 4 | $ 730,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 4 | $ 630,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 930,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 665,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 965,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 365,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 3 | $ 315,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 3 | $ 645,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 315,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 815,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 1,233,944,000 | 3 | $ 225,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,688,814,000 | 3 | $ 545,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 3 | $ 545,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 350,000 |
| Premier Bank 1004 21ST AVENUE ROCK VALLEY, IA 51247 |
* | $ 564,246,000 | 2 | $ 130,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 2 | $ 290,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,339,634,000 | 2 | $ 430,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 440,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 320,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 2 | $ 480,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 250,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 2 | $ 480,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 2 | $ 380,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 929,943,000 | 2 | $ 360,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 2 | $ 280,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ 195,132,000 | 2 | $ 90,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 7,658,628,000 | 1 | $ 65,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 1 | $ 195,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 1 | $ 375,000 |
| Los Angeles Police FCU 16150 SHERMAN WAY VAN NUYS, CA 91406 |
* | $ 980,218,000 | 1 | $ 25,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,418,352,000 | 1 | $ 85,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 145,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 145,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 215,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 205,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,598,362,000 | 1 | $ 305,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 85,000 |
| Iowa State Bank 1101 MAIN STREET HULL, IA 51239 |
* | $ 645,671,000 | 1 | $ 225,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 25,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 499,559,000 | 1 | $ 175,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 215,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 275,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 1 | $ 515,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 155,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,424,675,000 | 1 | $ 35,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 125,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ 765,384,000 | 1 | $ 255,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 165,244,000 | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 125,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 165,000 |
| Chambers Bank 901 MAIN STREET DANVILLE, AR 72833 |
* | $ 971,743,000 | 1 | $ 155,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 225,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 145,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 165,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,633,125,000 | 1 | $ 23,005,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 297,240,000 | 1 | $ 185,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 285,828,000 | 1 | $ 285,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 175,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 1 | $ 245,000 |
The tables below break down 2020 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 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 258 | $46,610,000 | $180,000 | $455,000 | $108,000 | $454,000 |
| Home Purchase | 254 | $65,480,000 | $257,000 | $23,005,000 | $86,000 | $453,000 |
| Cash-out Refinancing | 129 | $21,675,000 | $168,000 | $435,000 | $91,000 | $247,000 |
| Home Improvement | 10 | $1,030,000 | $103,000 | $225,000 | $73,000 | $157,000 |
| Other Purpose | 10 | $1,050,000 | $105,000 | $415,000 | $91,000 | $239,000 |
| Not Applicable | 3 | $225,000 | $75,000 | $115,000 | $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 | 513 | $88,175,000 | $171,000 | $515,000 | $97,000 | $454,000 |
| Not applicable | 63 | $36,335,000 | $576,000 | $23,005,000 | $126,000 | $336,000 |
| Not Provided | 51 | $7,505,000 | $147,000 | $325,000 | $97,000 | $290,000 |
| American Indian or Alaskan Native | 12 | $1,180,000 | $98,000 | $335,000 | $55,000 | $146,000 |
| Hispanic | 10 | $1,360,000 | $136,000 | $345,000 | $59,000 | $112,000 |
| Black or African American | 8 | $660,000 | $82,000 | $165,000 | $47,000 | $116,000 |
| Asian | 6 | $830,000 | $138,000 | $235,000 | $48,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $27,000 | $27,000 |
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) | 520 | $109,550,000 | $210,000 | $23,005,000 | $101,000 | $454,000 |
| VA-guaranteed (Veterans Administration) | 64 | $13,990,000 | $218,000 | $355,000 | $84,000 | $159,000 |
| FHA-insured (Federal Housing Administration) | 50 | $7,520,000 | $150,000 | $275,000 | $59,000 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $5,010,000 | $167,000 | $295,000 | $56,000 | $83,000 |
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 | 399 | $94,025,000 | $235,000 | $23,005,000 | $101,000 | $454,000 |
| Application Denied By Financial Institution | 87 | $10,745,000 | $123,000 | $405,000 | $62,000 | $250,000 |
| Application Withdrawn By Applicant | 79 | $13,325,000 | $168,000 | $445,000 | $100,000 | $434,000 |
| Loan Purchased By The Institution | 78 | $15,520,000 | $198,000 | $455,000 | $110,000 | $336,000 |
| File Closed For Incompleteness | 13 | $1,525,000 | $117,000 | $235,000 | $57,000 | $134,000 |
| Application Approved But Not Accepted | 8 | $930,000 | $116,000 | $305,000 | $84,000 | $192,000 |
| 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 | 567 | $123,195,000 | $217,000 | $23,005,000 | $100,000 | $454,000 |
| Debt-To-Income Ratio | 42 | $6,280,000 | $149,000 | $515,000 | $69,000 | $249,000 |
| Credit History | 29 | $3,355,000 | $115,000 | $325,000 | $58,000 | $145,000 |
| Other | 11 | $1,075,000 | $97,000 | $225,000 | $43,000 | $79,000 |
| Collateral | 8 | $1,450,000 | $181,000 | $285,000 | $92,000 | $127,000 |
| Credit Application Incomplete | 5 | $585,000 | $117,000 | $225,000 | $128,000 | $156,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $250,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $85,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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