Clay County, SD Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 383 mortgage applications in Clay County, SD totaling $66.9 million, up 10% from 2023. The average application was for $174,000, and applicants reported an average income of $112,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was First Bank & Trust, with 39 applications, followed by First Dakota National Bak and Triad Financial Services, 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 | 383 |
| Total Mortgage Loan Application Amount | $66,855,000 |
| Average Mortgage Loan Application Amount | $174,000 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $706,000 |
* 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 Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 39 | $ 7,755,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 37 | $ 8,235,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 22 | $ 1,220,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 22 | $ 940,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 21 | $ 4,805,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 19 | $ 1,585,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ n/a | 19 | $ 2,035,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 16 | $ 3,370,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ n/a | 15 | $ 955,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 9 | $ 1,905,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 7 | $ 1,715,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 7 | $ 1,925,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 7 | $ 585,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 6 | $ 1,130,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 6 | $ 900,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,300,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 6 | $ 1,030,000 |
| Bank of Dixon County 117 E 3RD ST PONCA, NE 68770 |
* | $ n/a | 5 | $ 745,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 195,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 4 | $ 940,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 1,230,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 4 | $ 630,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 4 | $ 590,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,290,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 3 | $ 335,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 1,065,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 635,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 685,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 3 | $ 315,000 |
| Security National Bank of Sd 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ n/a | 3 | $ 455,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 285,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 3 | $ 715,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 2 | $ 910,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 530,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 2 | $ 430,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 430,000 |
| Uniwyo Federal Credit Union 2020 GRAND AVE LARAMIE, WY 82070 |
* | $ n/a | 2 | $ 750,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 2 | $ 560,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 760,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 170,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 270,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 270,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 735,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 355,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 75,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 165,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 295,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 545,000 |
| First Fed Bank 105 W 8TH ST PORT ANGELES, WA 98362 |
* | $ n/a | 1 | $ 55,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 305,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 165,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 175,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 175,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 315,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 1 | $ 455,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 305,000 |
| Citizens State Bank 921 AVENUE E WISNER, NE 68791 |
* | $ n/a | 1 | $ 105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 275,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 205,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 335,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 105,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ n/a | 1 | $ 55,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 125,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 435,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 195,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 375,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 305,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ n/a | 1 | $ 365,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ n/a | 1 | $ 125,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 105,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ n/a | 1 | $ 255,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 1 | $ 435,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 55,000 |
| Premier Bank 1004 21ST AVENUE ROCK VALLEY, IA 51247 |
* | $ n/a | 1 | $ 25,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 225,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2024 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 2024
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 | 251 | $50,855,000 | $202,000 | $735,000 | $110,000 | $671,000 |
| Cash-out Refinancing | 46 | $7,130,000 | $155,000 | $585,000 | $100,000 | $366,000 |
| Home Improvement | 34 | $2,150,000 | $63,000 | $345,000 | $90,000 | $181,000 |
| Refinancing | 28 | $4,560,000 | $162,000 | $675,000 | $113,000 | $269,000 |
| Other Purpose | 24 | $2,160,000 | $90,000 | $545,000 | $178,000 | $706,000 |
| 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 | 257 | $45,185,000 | $175,000 | $735,000 | $120,000 | $706,000 |
| Not Provided | 48 | $6,230,000 | $129,000 | $595,000 | $86,000 | $251,000 |
| Not applicable | 40 | $9,350,000 | $233,000 | $495,000 | $0 | $0 |
| Hispanic | 20 | $2,350,000 | $117,000 | $405,000 | $87,000 | $400,000 |
| American Indian or Alaskan Native | 9 | $1,465,000 | $162,000 | $295,000 | $77,000 | $151,000 |
| Asian | 7 | $2,115,000 | $302,000 | $735,000 | $112,000 | $245,000 |
| Black or African American | 2 | $160,000 | $80,000 | $105,000 | $55,000 | $65,000 |
| 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) | 311 | $48,665,000 | $156,000 | $735,000 | $114,000 | $706,000 |
| FHA-insured (Federal Housing Administration) | 36 | $8,760,000 | $243,000 | $455,000 | $90,000 | $231,000 |
| VA-guaranteed (Veterans Administration) | 26 | $7,880,000 | $303,000 | $595,000 | $121,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,550,000 | $155,000 | $245,000 | $82,000 | $102,000 |
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 | 210 | $37,940,000 | $180,000 | $735,000 | $119,000 | $671,000 |
| Application Denied By Financial Institution | 58 | $8,200,000 | $141,000 | $425,000 | $72,000 | $214,000 |
| Application Withdrawn By Applicant | 54 | $9,930,000 | $183,000 | $515,000 | $125,000 | $706,000 |
| Loan Purchased By The Institution | 31 | $7,655,000 | $246,000 | $475,000 | $172,000 | $584,000 |
| Application Approved But Not Accepted | 15 | $1,785,000 | $119,000 | $315,000 | $96,000 | $233,000 |
| File Closed For Incompleteness | 14 | $1,240,000 | $88,000 | $365,000 | $93,000 | $218,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $40,000 | $40,000 |
| 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 | 305 | $56,125,000 | $184,000 | $735,000 | $121,000 | $706,000 |
| Debt-To-Income Ratio | 38 | $4,870,000 | $128,000 | $415,000 | $78,000 | $177,000 |
| Credit History | 23 | $3,305,000 | $143,000 | $425,000 | $79,000 | $167,000 |
| Collateral | 8 | $1,110,000 | $138,000 | $325,000 | $73,000 | $130,000 |
| Unverifiable Information | 3 | $365,000 | $121,000 | $205,000 | $123,000 | $214,000 |
| Other | 2 | $320,000 | $160,000 | $165,000 | $87,000 | $102,000 |
| Employment History | 2 | $270,000 | $135,000 | $235,000 | $71,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $305,000 | $305,000 | $305,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
| 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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