Edmunds County, SD Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 142 mortgage applications in Edmunds County, SD totaling $27.5 million, up 80% from 2019. The average application was for $193,000, and applicants reported an average income of $119,000. 61% of applications resulted in an originated loan and 8% were denied. The most active lender was Plains Commerce Bank, with 27 applications, followed by Dacotah Bank and Great Western Bank.
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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 | 142 |
| Total Mortgage Loan Application Amount | $27,510,000 |
| Average Mortgage Loan Application Amount | $193,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $700,000 |
| 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 |
* | $ 707,275,000 | 27 | $ 4,485,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 24 | $ 6,170,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 12 | $ 2,520,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 12 | $ 2,220,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 11 | $ 2,345,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 6 | $ 820,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 6 | $ 1,120,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 5 | $ 665,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 3 | $ 765,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 260,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 187,526,000 | 2 | $ 190,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 2 | $ 640,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 700,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 420,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 225,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 165,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 35,000 |
| Toyota Financial Savings Bank 2485 VILLAGE VIEW DRIVE, SUITE 200 HENDERSON, NV 89074 |
* | $ 1,047,759,000 | 1 | $ 155,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 35,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 131,983,000 | 1 | $ 285,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,041,578,000 | 1 | $ 305,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 1 | $ 125,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 1 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 215,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 85,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 115,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 155,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 265,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 1 | $ 25,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 105,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 315,000 |
The tables below break down 2020 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 57 | $10,965,000 | $192,000 | $485,000 | $116,000 | $454,000 |
| Home Purchase | 50 | $10,840,000 | $216,000 | $635,000 | $131,000 | $700,000 |
| Cash-out Refinancing | 24 | $4,610,000 | $192,000 | $345,000 | $120,000 | $270,000 |
| Other Purpose | 7 | $465,000 | $66,000 | $115,000 | $88,000 | $216,000 |
| Home Improvement | 3 | $515,000 | $171,000 | $295,000 | $69,000 | $150,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 124 | $24,240,000 | $195,000 | $635,000 | $118,000 | $700,000 |
| Not applicable | 7 | $1,055,000 | $150,000 | $255,000 | $83,000 | $83,000 |
| Not Provided | 7 | $1,265,000 | $180,000 | $415,000 | $139,000 | $301,000 |
| American Indian or Alaskan Native | 3 | $915,000 | $305,000 | $355,000 | $117,000 | $151,000 |
| 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) | 122 | $24,470,000 | $200,000 | $635,000 | $125,000 | $700,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,895,000 | $210,000 | $395,000 | $97,000 | $151,000 |
| FHA-insured (Federal Housing Administration) | 6 | $730,000 | $121,000 | $215,000 | $80,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $415,000 | $83,000 | $125,000 | $33,000 | $46,000 |
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 | 87 | $18,125,000 | $208,000 | $635,000 | $127,000 | $700,000 |
| Application Withdrawn By Applicant | 20 | $3,560,000 | $178,000 | $365,000 | $103,000 | $315,000 |
| Loan Purchased By The Institution | 15 | $2,595,000 | $173,000 | $315,000 | $124,000 | $270,000 |
| Application Denied By Financial Institution | 12 | $2,160,000 | $180,000 | $325,000 | $103,000 | $398,000 |
| Application Approved But Not Accepted | 5 | $715,000 | $143,000 | $265,000 | $119,000 | $162,000 |
| File Closed For Incompleteness | 3 | $355,000 | $118,000 | $165,000 | $57,000 | $117,000 |
| 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 | 126 | $24,270,000 | $192,000 | $635,000 | $118,000 | $700,000 |
| Debt-To-Income Ratio | 8 | $1,880,000 | $235,000 | $415,000 | $143,000 | $301,000 |
| Collateral | 2 | $470,000 | $235,000 | $325,000 | $215,000 | $398,000 |
| Unverifiable Information | 2 | $190,000 | $95,000 | $155,000 | $47,000 | $65,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Credit History | 1 | $225,000 | $225,000 | $225,000 | $201,000 | $201,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $275,000 | $275,000 | $275,000 | $64,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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