Douglas County, SD Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 51 mortgage applications in Douglas County, SD totaling $5.9 million, down 25% from 2017. The average application was for $114,000, and applicants reported an average income of $71,000. 61% of applications resulted in an originated loan and 18% were denied. The most active lender was Bankwest, Inc., with 13 applications, followed by Bank of the West and CU Mortgage Direct, LLC.
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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 | 51 |
| Total Mortgage Loan Application Amount | $5,855,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $315,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $198,000 |
| 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 |
* | $ 1,086,583,000 | 13 | $ 1,365,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 5 | $ 315,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 3 | $ 455,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 355,470,000 | 3 | $ 375,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,598,426,000 | 3 | $ 515,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 3 | $ 225,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 130,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 310,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 310,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 869,903,000 | 2 | $ 240,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 280,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 708,948,000 | 1 | $ 135,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 135,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 115,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,396,553,000 | 1 | $ 45,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,686,532,000 | 1 | $ 275,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 156,639,000 | 1 | $ 55,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 285,000 |
The tables below break down 2018 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 2018
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 | 27 | $3,325,000 | $123,000 | $315,000 | $70,000 | $198,000 |
| Refinancing | 9 | $1,255,000 | $139,000 | $265,000 | $79,000 | $151,000 |
| Cash-out Refinancing | 7 | $875,000 | $125,000 | $275,000 | $69,000 | $101,000 |
| Home Improvement | 6 | $250,000 | $41,000 | $75,000 | $82,000 | $118,000 |
| Other Purpose | 2 | $150,000 | $75,000 | $75,000 | $35,000 | $49,000 |
| 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 | 45 | $5,155,000 | $114,000 | $315,000 | $72,000 | $198,000 |
| Not Provided | 3 | $305,000 | $101,000 | $165,000 | $49,000 | $59,000 |
| Not applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $69,000 | $69,000 |
| 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 |
| American Indian or Alaskan Native | 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) | 45 | $5,135,000 | $114,000 | $315,000 | $73,000 | $198,000 |
| FHA-insured (Federal Housing Administration) | 3 | $295,000 | $98,000 | $135,000 | $42,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $140,000 | $70,000 | $85,000 | $54,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 1 | $285,000 | $285,000 | $285,000 | $90,000 | $90,000 |
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 | 31 | $4,265,000 | $137,000 | $315,000 | $70,000 | $164,000 |
| Application Denied By Financial Institution | 9 | $535,000 | $59,000 | $135,000 | $76,000 | $198,000 |
| Application Withdrawn By Applicant | 6 | $560,000 | $93,000 | $155,000 | $80,000 | $109,000 |
| Loan Purchased By The Institution | 3 | $395,000 | $131,000 | $275,000 | $61,000 | $83,000 |
| Application Approved But Not Accepted | 2 | $100,000 | $50,000 | $55,000 | $47,000 | $53,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 40 | $5,010,000 | $125,000 | $315,000 | $72,000 | $164,000 |
| Debt-To-Income Ratio | 5 | $455,000 | $91,000 | $175,000 | $75,000 | $198,000 |
| Collateral | 3 | $195,000 | $65,000 | $135,000 | $44,000 | $69,000 |
| Credit History | 2 | $80,000 | $40,000 | $45,000 | $118,000 | $118,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $59,000 | $59,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
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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