Custer County, SD Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 324 mortgage applications in Custer County, SD totaling $96.6 million, down 18% from 2022. The average application was for $298,000, and applicants reported an average income of $137,000. 59% of applications resulted in an originated loan and 15% were denied. The most active lender was Black Hills Federal Credit Union, with 68 applications, followed by CMG Mortgage Inc and First Interstate Bank.
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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 | 324 |
| Total Mortgage Loan Application Amount | $96,590,000 |
| Average Mortgage Loan Application Amount | $298,000 |
| Highest Mortgage Loan Application Amount | $1,715,000 |
| Average Applicant Income | $137,000 |
| Highest Applicant Income | $1,187,000 |
* 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 |
|---|---|---|---|---|
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 2,170,479,000 | 68 | $ 17,970,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 20 | $ 6,650,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 20 | $ 5,010,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 18 | $ 3,920,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,589,007,000 | 16 | $ 5,010,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 13 | $ 4,455,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 13 | $ 4,185,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 12 | $ 5,040,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 11 | $ 3,065,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 2,790,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 1,755,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 675,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 5 | $ 505,000 |
| Highmark Federal Credit Union 725 5TH STREET RAPID CITY, SD 57701 |
* | $ 250,703,000 | 5 | $ 2,095,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 4 | $ 1,670,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 1,420,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 4 | $ 390,000 |
| Black Hills Community Bank, NA 840 MT. RUSHMORE RD. RAPID CITY, SD 57701 |
* | $ 452,616,000 | 4 | $ 1,830,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 443,576,000 | 3 | $ 395,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 1,225,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 685,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 1,345,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 945,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 1,035,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 435,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 1,040,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 1,010,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 370,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,964,850,000 | 2 | $ 1,030,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 620,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,670,754,000 | 2 | $ 780,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 620,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 870,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 870,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 490,000 |
| Northern Hills FCU 1080 MAIN ST STURGIS, SD 57785 |
* | $ 139,466,000 | 2 | $ 480,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 2 | $ 1,020,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 2 | $ 590,000 |
| Sentry Bank 400 4TH AVE NE ST. JOSEPH, MN 56374 |
* | $ 283,962,000 | 1 | $ 445,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 425,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 175,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 325,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 4,855,114,000 | 1 | $ 335,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 315,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 335,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 155,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 395,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 545,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 1,000,918,000 | 1 | $ 275,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 385,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 2,727,087,000 | 1 | $ 355,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 555,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 1,333,552,000 | 1 | $ 235,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 1 | $ 555,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 35,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 1 | $ 345,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 585,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ 643,059,000 | 1 | $ 205,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 255,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,740,477,000 | 1 | $ 115,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 295,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 165,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,622,947,000 | 1 | $ 415,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 4,229,093,000 | 1 | $ 605,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 1 | $ 225,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ -1,000 | 1 | $ 225,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 795,000 |
The tables below break down 2023 mortgage applications in Custer 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 Custer County, SD in 2023
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 | 186 | $63,050,000 | $338,000 | $1,715,000 | $149,000 | $1,187,000 |
| Cash-out Refinancing | 45 | $13,125,000 | $291,000 | $1,505,000 | $86,000 | $200,000 |
| Home Improvement | 43 | $7,355,000 | $171,000 | $645,000 | $156,000 | $470,000 |
| Refinancing | 36 | $10,480,000 | $291,000 | $1,025,000 | $103,000 | $333,000 |
| Other Purpose | 14 | $2,580,000 | $184,000 | $755,000 | $166,000 | $956,000 |
| 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 | 252 | $71,830,000 | $285,000 | $1,505,000 | $135,000 | $956,000 |
| Not Provided | 41 | $11,175,000 | $272,000 | $1,715,000 | $132,000 | $1,187,000 |
| Not applicable | 19 | $9,385,000 | $493,000 | $1,025,000 | $284,000 | $284,000 |
| American Indian or Alaskan Native | 4 | $1,800,000 | $450,000 | $615,000 | $208,000 | $223,000 |
| Hispanic | 4 | $750,000 | $187,000 | $315,000 | $127,000 | $351,000 |
| Asian | 2 | $580,000 | $290,000 | $425,000 | $128,000 | $128,000 |
| Black or African American | 1 | $685,000 | $685,000 | $685,000 | $295,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $385,000 | $385,000 | $385,000 | $149,000 | $149,000 |
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) | 268 | $78,290,000 | $292,000 | $1,715,000 | $144,000 | $1,187,000 |
| VA-guaranteed (Veterans Administration) | 28 | $10,790,000 | $385,000 | $725,000 | $124,000 | $647,000 |
| FHA-insured (Federal Housing Administration) | 26 | $6,860,000 | $263,000 | $395,000 | $81,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $650,000 | $325,000 | $325,000 | $103,000 | $107,000 |
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 | 191 | $58,245,000 | $304,000 | $1,505,000 | $144,000 | $956,000 |
| Application Withdrawn By Applicant | 49 | $15,675,000 | $319,000 | $1,715,000 | $147,000 | $1,187,000 |
| Application Denied By Financial Institution | 47 | $10,385,000 | $220,000 | $755,000 | $102,000 | $470,000 |
| Loan Purchased By The Institution | 16 | $7,120,000 | $445,000 | $795,000 | $207,000 | $284,000 |
| Application Approved But Not Accepted | 12 | $3,080,000 | $256,000 | $725,000 | $120,000 | $394,000 |
| File Closed For Incompleteness | 9 | $2,085,000 | $231,000 | $755,000 | $122,000 | $351,000 |
| 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 | 267 | $82,675,000 | $309,000 | $1,715,000 | $143,000 | $1,187,000 |
| Debt-To-Income Ratio | 33 | $9,635,000 | $291,000 | $755,000 | $95,000 | $243,000 |
| Collateral | 7 | $1,045,000 | $149,000 | $305,000 | $228,000 | $470,000 |
| Credit History | 7 | $1,495,000 | $213,000 | $615,000 | $103,000 | $223,000 |
| Credit Application Incomplete | 4 | $550,000 | $137,000 | $225,000 | $84,000 | $143,000 |
| Other | 3 | $425,000 | $141,000 | $235,000 | $63,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $365,000 | $75,000 | $108,000 |
| Unverifiable Information | 1 | $265,000 | $265,000 | $265,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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