Grant County, SD Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 225 mortgage applications in Grant County, SD totaling $30.5 million, down 20% from 2012. The average application was for $135,000, and applicants reported an average income of $62,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 81 applications, followed by Great Western Bank and US Bank, N.A..
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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 | 225 |
| Total Mortgage Loan Application Amount | $30,493,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $4,900,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $689,000 |
| 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 |
* | $ 1,266,125,000,000 | 81 | $ 8,365,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 66 | $ 7,601,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 15 | $ 1,442,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 480,631,000 | 10 | $ 875,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 6 | $ 928,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 4 | $ 377,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 946,494,000 | 4 | $ 6,574,000 |
| Minnwest Mortgage Corporation 5324 EAST ARROWHEAD PKY, SUITE 102 SIOUX FALLS, SD 57110 |
* | $ 1,665,359,000 | 3 | $ 303,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 301,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 3 | $ 328,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,060,324,000 | 2 | $ 120,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 201,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 2 | $ 200,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 2 | $ 238,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 535,067,000 | 2 | $ 123,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 128,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 116,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,080,671,000 | 1 | $ 250,000 |
| Central Bank and Trust 285 MAIN STREET LANDER, WY 82520 |
* | $ 160,949,000 | 1 | $ 64,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 98,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,315,127,000 | 1 | $ 36,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 64,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 144,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,215,738,000 | 1 | $ 23,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 181,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 123,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 1 | $ 140,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 27,000 |
The tables below break down 2013 mortgage applications in Grant 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 Grant 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 | 137 | $22,706,000 | $165,000 | $4,900,000 | $71,000 | $689,000 |
| Home Purchase | 69 | $6,566,000 | $95,000 | $250,000 | $44,000 | $170,000 |
| Home Improvement | 19 | $1,221,000 | $64,000 | $164,000 | $59,000 | $132,000 |
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 | 191 | $20,856,000 | $109,000 | $417,000 | $68,000 | $689,000 |
| Not applicable | 26 | $8,661,000 | $333,000 | $4,900,000 | $4,000 | $90,000 |
| Not Provided | 4 | $607,000 | $151,000 | $283,000 | $84,000 | $135,000 |
| Hispanic | 2 | $137,000 | $68,000 | $134,000 | $46,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $144,000 | $144,000 | $144,000 | $78,000 | $78,000 |
| Asian | 1 | $88,000 | $88,000 | $88,000 | $205,000 | $205,000 |
| Black or African American | 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) | 166 | $22,886,000 | $137,000 | $4,900,000 | $72,000 | $689,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,786,000 | $130,000 | $1,214,000 | $25,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,433,000 | $152,000 | $283,000 | $42,000 | $135,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,388,000 | $99,000 | $160,000 | $29,000 | $78,000 |
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 | 144 | $22,326,000 | $155,000 | $4,900,000 | $73,000 | $689,000 |
| Application Denied By Financial Institution | 32 | $2,784,000 | $87,000 | $283,000 | $50,000 | $135,000 |
| Loan Purchased By The Institution | 23 | $2,123,000 | $92,000 | $188,000 | $8,000 | $90,000 |
| Application Approved But Not Accepted | 13 | $1,822,000 | $140,000 | $225,000 | $72,000 | $425,000 |
| Application Withdrawn By Applicant | 10 | $1,126,000 | $112,000 | $213,000 | $48,000 | $81,000 |
| File Closed For Incompleteness | 3 | $312,000 | $104,000 | $133,000 | $74,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $537,000 | $53,000 | $173,000 | $37,000 | $66,000 |
| Debt-To-Income Ratio | 6 | $304,000 | $50,000 | $102,000 | $62,000 | $132,000 |
| Unverifiable Information | 4 | $323,000 | $80,000 | $131,000 | $53,000 | $96,000 |
| Collateral | 2 | $423,000 | $211,000 | $283,000 | $102,000 | $135,000 |
| Other | 1 | $41,000 | $41,000 | $41,000 | $27,000 | $27,000 |
| 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 |
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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