Dewey County, SD Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 26 mortgage applications in Dewey County, SD totaling $2.8 million, up 4% from 2019. The average application was for $107,000, and applicants reported an average income of $73,000. 35% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank NA, with 5 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 | 26 |
| Total Mortgage Loan Application Amount | $2,800,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $132,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 5 | $ 595,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 345,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 275,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 320,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,418,352,000 | 2 | $ 210,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 2 | $ 190,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 2 | $ 200,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 205,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 85,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 1 | $ 55,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,330,030,000 | 1 | $ 55,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 1 | $ 45,000 |
The tables below break down 2020 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 10 | $980,000 | $98,000 | $165,000 | $64,000 | $97,000 |
| Refinancing | 5 | $645,000 | $129,000 | $215,000 | $78,000 | $130,000 |
| Not Applicable | 4 | $350,000 | $87,000 | $105,000 | $0 | $0 |
| Home Improvement | 4 | $280,000 | $70,000 | $105,000 | $87,000 | $132,000 |
| Cash-out Refinancing | 3 | $545,000 | $181,000 | $245,000 | $81,000 | $96,000 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 10 | $1,140,000 | $114,000 | $205,000 | $66,000 | $101,000 |
| White | 9 | $1,125,000 | $125,000 | $245,000 | $76,000 | $130,000 |
| Not applicable | 5 | $405,000 | $81,000 | $105,000 | $0 | $0 |
| Not Provided | 2 | $130,000 | $65,000 | $85,000 | $103,000 | $132,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 18 | $1,940,000 | $107,000 | $245,000 | $77,000 | $132,000 |
| FHA-insured (Federal Housing Administration) | 8 | $860,000 | $107,000 | $165,000 | $58,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 9 | $915,000 | $101,000 | $215,000 | $80,000 | $130,000 |
| Application Denied By Financial Institution | 7 | $805,000 | $115,000 | $245,000 | $71,000 | $132,000 |
| Loan Purchased By The Institution | 4 | $350,000 | $87,000 | $105,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $425,000 | $141,000 | $205,000 | $57,000 | $96,000 |
| File Closed For Incompleteness | 2 | $200,000 | $100,000 | $105,000 | $94,000 | $96,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $45,000 | $45,000 |
| 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 | 19 | $1,995,000 | $105,000 | $215,000 | $75,000 | $130,000 |
| Credit History | 3 | $325,000 | $108,000 | $155,000 | $41,000 | $51,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $132,000 | $132,000 |
| Employment History | 1 | $245,000 | $245,000 | $245,000 | $83,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $59,000 | $59,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $72,000 | $72,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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