Edmunds County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 118 mortgage applications in Edmunds County, SD totaling $20.5 million, up 1% from 2015. The average application was for $173,000, and applicants reported an average income of $68,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Plains Commerce Bank, with 28 applications, followed by Wells Fargo Bank NA and Franklin American Mortgage Company.
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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 | 118 |
| Total Mortgage Loan Application Amount | $20,511,000 |
| Average Mortgage Loan Application Amount | $173,000 |
| Highest Mortgage Loan Application Amount | $4,357,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $420,000 |
| 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 |
* | $ 610,982,000 | 28 | $ 2,904,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 13 | $ 1,786,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 12 | $ 1,693,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 9 | $ 1,129,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 7 | $ 5,259,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 7 | $ 1,112,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 6 | $ 772,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 804,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 4 | $ 478,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 475,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 3 | $ 487,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 727,923,000 | 3 | $ 424,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 440,000 |
| Home Federal Bank 225 S. MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 1,170,034,000 | 2 | $ 293,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 2 | $ 233,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,293,340,000 | 1 | $ 230,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 97,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 201,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 237,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 291,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 216,000 |
The tables below break down 2016 mortgage applications in Edmunds 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 Edmunds 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 | 62 | $9,190,000 | $148,000 | $320,000 | $65,000 | $337,000 |
| Refinancing | 42 | $10,341,000 | $246,000 | $4,357,000 | $68,000 | $420,000 |
| Home Improvement | 14 | $980,000 | $70,000 | $240,000 | $83,000 | $180,000 |
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 | 92 | $12,547,000 | $136,000 | $492,000 | $84,000 | $420,000 |
| Not applicable | 23 | $7,460,000 | $324,000 | $4,357,000 | $4,000 | $62,000 |
| Not Provided | 1 | $240,000 | $240,000 | $240,000 | $119,000 | $119,000 |
| Asian | 1 | $118,000 | $118,000 | $118,000 | $55,000 | $55,000 |
| Hispanic | 1 | $146,000 | $146,000 | $146,000 | $70,000 | $70,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 90 | $16,732,000 | $185,000 | $4,357,000 | $77,000 | $420,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,809,000 | $150,000 | $250,000 | $42,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,158,000 | $128,000 | $201,000 | $43,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $812,000 | $116,000 | $230,000 | $24,000 | $42,000 |
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 | 61 | $12,713,000 | $208,000 | $4,357,000 | $82,000 | $343,000 |
| Loan Purchased By The Institution | 22 | $3,230,000 | $146,000 | $291,000 | $7,000 | $67,000 |
| Application Denied By Financial Institution | 20 | $2,708,000 | $135,000 | $320,000 | $71,000 | $337,000 |
| Application Withdrawn By Applicant | 8 | $1,039,000 | $129,000 | $200,000 | $115,000 | $420,000 |
| Application Approved But Not Accepted | 6 | $620,000 | $103,000 | $161,000 | $70,000 | $149,000 |
| File Closed For Incompleteness | 1 | $201,000 | $201,000 | $201,000 | $102,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $366,000 | $91,000 | $242,000 | $67,000 | $121,000 |
| Collateral | 4 | $1,053,000 | $263,000 | $320,000 | $83,000 | $119,000 |
| Credit Application Incomplete | 1 | $198,000 | $198,000 | $198,000 | $337,000 | $337,000 |
| Credit History | 1 | $92,000 | $92,000 | $92,000 | $81,000 | $81,000 |
| 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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