Codington County, SD Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 2,238 mortgage applications in Codington County, SD totaling $458.8 million, up 66% from 2019. The average application was for $205,000, and applicants reported an average income of $100,000. 63% of applications resulted in an originated loan and 6% were denied. The most active lender was First Premier Bank, with 314 applications, followed by Great Western Bank and Citizens Bank, NA.

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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 2,238
Total Mortgage Loan Application Amount $458,810,000
Average Mortgage Loan Application Amount $205,000
Highest Mortgage Loan Application Amount $8,935,000
Average Applicant Income $100,000
Highest Applicant Income $2,499,000

Mortgage Company List for Lending in Codington County, SD for 2020

* 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 Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 2,041,578,000 314 $ 57,860,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 12,848,070,000 301 $ 50,945,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 204 $ 42,010,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 188 $ 39,330,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 2,689,384,000 140 $ 33,350,000
CU Mortgage Direct, LLC
5010 S. SOLBERG AVENUE
SIOUX FALLS, SD 57108
* $ -1,000 130 $ 25,830,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 115 $ 22,235,000
Reliabank Dakota
211 N MAIN ST
ESTELLINE, SD 57234
* $ 471,230,000 114 $ 24,640,000
First Bank & Trust
110 N. MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 1,024,331,000 102 $ 21,770,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 57 $ 9,495,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 49 $ 11,025,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 37 $ 6,705,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 32 $ 6,870,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ 2,069,570,000 28 $ 6,460,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ -1,000 27 $ 5,525,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 25 $ 5,685,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 18 $ 5,510,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 3,480,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 2,310,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 2,640,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 12 $ 2,810,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 12 $ 3,210,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 9 $ 565,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 2,025,000
American Bank & Trust
120 E MAIN STREET
SIOUX FALLS, SD 57108
* $ 985,338,000 9 $ 10,915,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 2,125,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,480,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 1,670,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,515,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 7 $ 1,825,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 7 $ 2,025,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 1,465,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,525,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ 1,418,352,000 6 $ 1,290,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 715,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 1,105,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 1,776,882,000 5 $ 1,395,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 865,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 4 $ 960,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 4 $ 1,230,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 780,000
The First National Bank in Sioux Falls
100 S. PHILLIPS AVENUE
SIOUX FALLS, SD 57104
* $ 1,339,634,000 4 $ 900,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ 2,068,880,000 3 $ 2,315,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,205,032,000 3 $ 205,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 3 $ 965,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 3 $ 945,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 565,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 2 $ 570,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 13,105,582,000 2 $ 380,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 430,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 370,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 510,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 2 $ 300,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 2 $ 340,000
Bank Midwest
1525 18TH STREET SUITE 100
SPIRIT LAKE, IA 51360
* $ 948,772,000 2 $ 680,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 300,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 390,000
Four Points Federal Credit Union
510 N 127TH ST
OMAHA, NE 68137
* $ 131,983,000 2 $ 490,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 470,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 2,380,296,000 1 $ 235,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 42,074,066,000 1 $ 225,000
Voyage Federal Credit Union
3823 KIWANIS CIR
SIOUX FALLS, SD 57105
* $ 105,516,000 1 $ 265,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 165,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,043,000 1 $ 155,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ 719,021,000 1 $ 375,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 1 $ 355,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 125,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 155,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 175,000
Dayspring Bank
914 LAKE AVENUE
GOTHENBURG, NE 69138
* $ 555,366,000 1 $ 205,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 315,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 1 $ 125,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,864,126,000 1 $ 225,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 1 $ 305,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,354,874,000 1 $ 445,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 155,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 105,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 245,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 255,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 893,592,000 1 $ 285,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 25,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 1 $ 195,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 215,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 1 $ 135,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 205,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 165,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 385,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 6,492,180,000 1 $ 285,000
Central Bank
600 LAKE AVENUE
STORM LAKE, IA 50588
* $ 929,943,000 1 $ 255,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,921,403,000 1 $ 65,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 75,000
Vibrant Credit Union
1900 52ND AVE
MOLINE, IL 61265
* $ 809,155,000 1 $ 25,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 245,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 255,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 1,330,030,000 1 $ 15,000
American State Bank
525 N MAIN AVE, PO BOX 140
SIOUX CENTER, IA 51250
* $ 948,382,000 1 $ 295,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 125,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 195,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 1 $ 125,000
First Community Credit Union
111 9TH ST SW
JAMESTOWN, ND 58401
* $ 850,203,000 1 $ 85,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 175,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 1 $ 45,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 245,000

The tables below break down 2020 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 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 995 $213,725,000 $214,000 $3,255,000 $108,000 $1,827,000
Home Purchase 624 $128,670,000 $206,000 $2,085,000 $86,000 $1,005,000
Cash-out Refinancing 481 $96,585,000 $200,000 $645,000 $101,000 $976,000
Other Purpose 59 $4,675,000 $79,000 $275,000 $136,000 $2,499,000
Home Improvement 54 $3,030,000 $56,000 $255,000 $85,000 $296,000
Not Applicable 25 $12,125,000 $485,000 $8,935,000 $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 1,904 $369,230,000 $193,000 $1,115,000 $100,000 $2,499,000
Not applicable 184 $62,340,000 $338,000 $8,935,000 $108,000 $297,000
Not Provided 109 $19,605,000 $179,000 $535,000 $109,000 $540,000
Hispanic 16 $3,540,000 $221,000 $325,000 $64,000 $168,000
American Indian or Alaskan Native 13 $2,325,000 $178,000 $325,000 $71,000 $148,000
Asian 6 $940,000 $156,000 $355,000 $49,000 $84,000
Black or African American 3 $425,000 $141,000 $215,000 $111,000 $185,000
Native Hawaiian or Other Pacific Islander 2 $190,000 $95,000 $135,000 $144,000 $217,000

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) 1,787 $372,015,000 $208,000 $8,935,000 $108,000 $2,499,000
VA-guaranteed (Veterans Administration) 172 $38,910,000 $226,000 $535,000 $82,000 $325,000
FHA-insured (Federal Housing Administration) 165 $28,485,000 $172,000 $325,000 $55,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 114 $19,400,000 $170,000 $385,000 $51,000 $109,000

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 1,402 $292,570,000 $208,000 $8,935,000 $102,000 $1,827,000
Loan Purchased By The Institution 361 $76,045,000 $210,000 $515,000 $102,000 $1,005,000
Application Withdrawn By Applicant 285 $55,325,000 $194,000 $755,000 $107,000 $2,499,000
Application Denied By Financial Institution 130 $22,290,000 $171,000 $2,105,000 $74,000 $530,000
File Closed For Incompleteness 34 $5,780,000 $170,000 $315,000 $71,000 $252,000
Application Approved But Not Accepted 26 $6,800,000 $261,000 $2,085,000 $94,000 $199,000
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 2,087 $420,695,000 $201,000 $3,255,000 $101,000 $2,499,000
Debt-To-Income Ratio 55 $22,485,000 $408,000 $8,935,000 $91,000 $380,000
Credit History 50 $6,620,000 $132,000 $335,000 $72,000 $232,000
Credit Application Incomplete 17 $3,035,000 $178,000 $515,000 $119,000 $530,000
Collateral 12 $3,160,000 $263,000 $2,105,000 $108,000 $217,000
Other 12 $1,820,000 $151,000 $305,000 $71,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 3 $555,000 $185,000 $265,000 $32,000 $57,000
Employment History 2 $440,000 $220,000 $295,000 $101,000 $138,000
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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