Codington County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,284 mortgage applications in Codington County, SD totaling $209.6 million, up 8% from 2015. The average application was for $163,000, and applicants reported an average income of $67,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was Great Western Bank, with 175 applications, followed by Plains Commerce Bank and Franklin American Mortgage Company.
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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 | 1,284 |
| Total Mortgage Loan Application Amount | $209,640,000 |
| Average Mortgage Loan Application Amount | $163,000 |
| Highest Mortgage Loan Application Amount | $1,236,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,003,000 |
* 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 |
|---|---|---|---|---|
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 175 | $ 29,076,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 610,982,000 | 125 | $ 19,577,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 97 | $ 17,706,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 81 | $ 14,346,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 716,170,000 | 81 | $ 12,827,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,547,327,000 | 77 | $ 11,320,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 77 | $ 12,014,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 75 | $ 11,232,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 304,199,000 | 61 | $ 8,445,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 41 | $ 7,744,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 36 | $ 6,796,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 35 | $ 5,087,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 34 | $ 5,816,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 25 | $ 3,451,000 |
| Home Federal Bank 225 S. MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 1,170,034,000 | 23 | $ 3,284,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 17 | $ 3,252,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 16 | $ 2,622,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 14 | $ 2,417,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 11 | $ 2,029,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 11 | $ 510,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 9 | $ 1,606,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 9 | $ 1,709,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 9 | $ 1,449,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 958,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,116,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 6 | $ 1,095,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 5 | $ 920,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 4 | $ 706,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 4 | $ 659,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 281,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,293,340,000 | 3 | $ 669,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 169,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 238,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 570,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 242,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 378,714,000 | 2 | $ 244,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 728,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,502,221,000 | 2 | $ 734,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 2 | $ 84,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 347,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 2 | $ 557,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,587,008,000 | 2 | $ 437,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 2 | $ 147,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 2 | $ 237,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 395,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 104,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 7,000 |
| Highmark Federal Credit Union 725 5TH STREET RAPID CITY, SD 57701 |
* | $ 110,244,000 | 1 | $ 77,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 204,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,136,579,000 | 1 | $ 187,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 314,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 176,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 325,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 112,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 199,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 120,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 216,360,000 | 1 | $ 340,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 325,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 240,250,000 | 1 | $ 116,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 140,360,000 | 1 | $ 263,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 176,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 199,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 125,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 155,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 175,636,000 | 1 | $ 156,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 636,572,000 | 1 | $ 234,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,597,914,000 | 1 | $ 280,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 116,746,000 | 1 | $ 201,000 |
| Private Bank of Buckhead 3565 PIEDMONT ROAD, BLDG 3, STE 210 ATLANTA, GA 30305 |
* | $ 280,450,000 | 1 | $ 188,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 175,672,000 | 1 | $ 200,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 1 | $ 81,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 797,442,000 | 1 | $ 417,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 1 | $ 160,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,200,081,000 | 1 | $ 328,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 159,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 343,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ 10,000,000 | 1 | $ 352,000 |
| Trailwest Bank PO BOX 9 LOLO, MT 59847 |
* | $ 401,297,000 | 1 | $ 80,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 1 | $ 40,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 727,923,000 | 1 | $ 145,000 |
The tables below break down 2016 mortgage applications in Codington 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 Codington County, SD in 2016
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 | 629 | $106,258,000 | $168,000 | $1,236,000 | $66,000 | $639,000 |
| Home Purchase | 574 | $95,108,000 | $165,000 | $580,000 | $69,000 | $1,003,000 |
| Home Improvement | 81 | $8,274,000 | $102,000 | $417,000 | $68,000 | $223,000 |
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 | 976 | $155,549,000 | $159,000 | $576,000 | $79,000 | $1,003,000 |
| Not applicable | 237 | $43,412,000 | $183,000 | $1,236,000 | $18,000 | $655,000 |
| Not Provided | 46 | $6,545,000 | $142,000 | $290,000 | $58,000 | $127,000 |
| American Indian or Alaskan Native | 12 | $2,023,000 | $168,000 | $343,000 | $70,000 | $176,000 |
| Hispanic | 9 | $1,467,000 | $163,000 | $285,000 | $152,000 | $655,000 |
| Black or African American | 2 | $194,000 | $97,000 | $137,000 | $29,000 | $32,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $227,000 | $227,000 | $227,000 | $51,000 | $51,000 |
| Asian | 1 | $223,000 | $223,000 | $223,000 | $111,000 | $111,000 |
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) | 902 | $146,803,000 | $162,000 | $1,236,000 | $78,000 | $1,003,000 |
| FHA-insured (Federal Housing Administration) | 155 | $23,220,000 | $149,000 | $274,000 | $44,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 133 | $26,166,000 | $196,000 | $433,000 | $42,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $13,451,000 | $143,000 | $244,000 | $37,000 | $82,000 |
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 | 725 | $120,201,000 | $165,000 | $1,236,000 | $81,000 | $1,003,000 |
| Loan Purchased By The Institution | 216 | $39,306,000 | $181,000 | $433,000 | $28,000 | $655,000 |
| Application Denied By Financial Institution | 167 | $23,003,000 | $137,000 | $372,000 | $60,000 | $470,000 |
| Application Withdrawn By Applicant | 83 | $12,351,000 | $148,000 | $417,000 | $71,000 | $650,000 |
| Application Approved But Not Accepted | 70 | $11,028,000 | $157,000 | $560,000 | $73,000 | $376,000 |
| File Closed For Incompleteness | 23 | $3,751,000 | $163,000 | $300,000 | $57,000 | $268,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $1,815,000 | $165,000 | $257,000 | $81,000 | $250,000 |
| Credit History | 9 | $897,000 | $99,000 | $212,000 | $90,000 | $470,000 |
| Debt-To-Income Ratio | 8 | $1,283,000 | $160,000 | $203,000 | $66,000 | $102,000 |
| Credit Application Incomplete | 7 | $920,000 | $131,000 | $227,000 | $56,000 | $121,000 |
| Other | 5 | $636,000 | $127,000 | $176,000 | $59,000 | $184,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $339,000 | $169,000 | $170,000 | $46,000 | $48,000 |
| Employment History | 1 | $110,000 | $110,000 | $110,000 | $50,000 | $50,000 |
| 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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