Douglas County, SD Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 58 mortgage applications in Douglas County, SD totaling $7.2 million, up 49% from 2012. The average application was for $124,000, and applicants reported an average income of $90,000. 41% of applications resulted in an originated loan and 22% were denied. The most active lender was Plains Commerce Bank, with 10 applications, followed by First Dakota National Bak and Cortrust Mortgage, Inc..
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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 | 58 |
| Total Mortgage Loan Application Amount | $7,202,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $430,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $596,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 480,631,000 | 10 | $ 1,057,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 946,494,000 | 8 | $ 935,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 5 | $ 591,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 5 | $ 581,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 4 | $ 194,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 3 | $ 252,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 813,087,000 | 3 | $ 161,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 257,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,215,738,000 | 2 | $ 406,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 850,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 26,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 1 | $ 60,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 242,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 1 | $ 242,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 127,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 126,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 680,405,000 | 1 | $ 275,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 54,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 354,250,000 | 1 | $ 200,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,214,003,000 | 1 | $ 51,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,080,671,000 | 1 | $ 230,000 |
The tables below break down 2013 mortgage applications in Douglas 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 Douglas County, SD in 2013
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 | 36 | $4,429,000 | $123,000 | $430,000 | $85,000 | $573,000 |
| Home Purchase | 13 | $1,549,000 | $119,000 | $327,000 | $103,000 | $596,000 |
| Home Improvement | 9 | $1,224,000 | $136,000 | $280,000 | $92,000 | $202,000 |
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 | 51 | $6,604,000 | $129,000 | $430,000 | $98,000 | $596,000 |
| Not applicable | 5 | $484,000 | $96,000 | $130,000 | $0 | $0 |
| Not Provided | 1 | $30,000 | $30,000 | $30,000 | $143,000 | $143,000 |
| American Indian or Alaskan Native | 1 | $84,000 | $84,000 | $84,000 | $72,000 | $72,000 |
| 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) | 49 | $6,296,000 | $128,000 | $430,000 | $101,000 | $596,000 |
| FHA-insured (Federal Housing Administration) | 5 | $634,000 | $126,000 | $209,000 | $20,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $218,000 | $72,000 | $77,000 | $42,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 1 | $54,000 | $54,000 | $54,000 | $47,000 | $47,000 |
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 | 24 | $3,198,000 | $133,000 | $430,000 | $127,000 | $596,000 |
| Application Denied By Financial Institution | 13 | $1,271,000 | $97,000 | $420,000 | $62,000 | $143,000 |
| Application Approved But Not Accepted | 8 | $1,040,000 | $130,000 | $327,000 | $104,000 | $252,000 |
| Application Withdrawn By Applicant | 7 | $1,155,000 | $165,000 | $300,000 | $71,000 | $162,000 |
| Loan Purchased By The Institution | 5 | $484,000 | $96,000 | $130,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $54,000 | $54,000 | $54,000 | $47,000 | $47,000 |
| 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 | 4 | $431,000 | $107,000 | $280,000 | $74,000 | $107,000 |
| Debt-To-Income Ratio | 2 | $61,000 | $30,000 | $31,000 | $143,000 | $143,000 |
| Credit History | 1 | $20,000 | $20,000 | $20,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 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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