Dewey County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 24 mortgage applications in Dewey County, SD totaling $2.0 million, down 38% from 2015. The average application was for $81,000, and applicants reported an average income of $62,000. 50% of applications resulted in an originated loan and 29% were denied. The most active lender was Bankwest, Inc., with 7 applications, followed by Click N' Close, Inc. and 21st Mortgage.
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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 | 24 |
| Total Mortgage Loan Application Amount | $1,963,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $208,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $228,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 7 | $ 401,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 4 | $ 532,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 272,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,293,340,000 | 2 | $ 194,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 1 | $ 66,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 1 | $ 56,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,073,687,000 | 1 | $ 64,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 407,247,000 | 1 | $ 30,000 |
| Dakota Plains Federal Credit Union 519 MAIN AVE LEMMON, SD 57638 |
* | $ 51,358,000 | 1 | $ 24,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 47,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 208,000 |
The tables below break down 2016 mortgage applications in Dewey 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 Dewey 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 16 | $1,120,000 | $70,000 | $176,000 | $61,000 | $228,000 |
| Refinancing | 6 | $747,000 | $124,000 | $208,000 | $67,000 | $162,000 |
| Home Improvement | 2 | $96,000 | $48,000 | $66,000 | $60,000 | $64,000 |
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 | 12 | $852,000 | $71,000 | $109,000 | $57,000 | $107,000 |
| American Indian or Alaskan Native | 10 | $970,000 | $97,000 | $208,000 | $69,000 | $228,000 |
| Hispanic | 1 | $122,000 | $122,000 | $122,000 | $50,000 | $50,000 |
| Not Provided | 1 | $19,000 | $19,000 | $19,000 | $74,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 16 | $1,038,000 | $64,000 | $122,000 | $51,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 7 | $878,000 | $125,000 | $208,000 | $90,000 | $228,000 |
| VA-guaranteed (Veterans Administration) | 1 | $47,000 | $47,000 | $47,000 | $36,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 12 | $881,000 | $73,000 | $165,000 | $78,000 | $228,000 |
| Application Denied By Financial Institution | 7 | $530,000 | $75,000 | $122,000 | $40,000 | $97,000 |
| Application Withdrawn By Applicant | 3 | $453,000 | $151,000 | $208,000 | $46,000 | $99,000 |
| Application Approved But Not Accepted | 2 | $99,000 | $49,000 | $69,000 | $67,000 | $71,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $93,000 | $93,000 | $93,000 | $26,000 | $26,000 |
| Collateral | 1 | $64,000 | $64,000 | $64,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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