Grant County, SD Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 230 mortgage applications in Grant County, SD totaling $32.7 million, up 10% from 2018. The average application was for $142,000, and applicants reported an average income of $87,000. 64% of applications resulted in an originated loan and 11% were denied. The most active lender was First Bank & Trust, with 56 applications, followed by Great Western Bank and Wells Fargo Bank NA.
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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 | 230 |
| Total Mortgage Loan Application Amount | $32,710,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $797,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 1,952,920,000 | 56 | $ 8,210,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 48 | $ 4,760,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 16 | $ 1,720,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 12 | $ 1,420,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 12 | $ 1,160,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 11 | $ 2,445,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 1,425,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 6 | $ 490,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 4 | $ 790,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 1,255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 455,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 525,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 980,369,000 | 3 | $ 605,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 3 | $ 485,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 410,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 240,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 300,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 2 | $ 350,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 270,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 320,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 163,045,000 | 1 | $ 215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 245,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 55,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 175,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 185,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 391,851,000 | 1 | $ 215,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 1 | $ 235,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 434,815,000 | 1 | $ 1,005,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 4,729,390,000 | 1 | $ 65,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 75,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 1 | $ 55,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 85,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 240,252,000 | 1 | $ 45,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 55,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,987,488,000 | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 215,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,361,706,000 | 1 | $ 75,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,050,339,000 | 1 | $ 125,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 85,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,567,120,000 | 1 | $ 305,000 |
The tables below break down 2019 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 2019
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 | 123 | $17,995,000 | $146,000 | $435,000 | $87,000 | $797,000 |
| Refinancing | 49 | $8,255,000 | $168,000 | $1,005,000 | $94,000 | $264,000 |
| Cash-out Refinancing | 32 | $4,640,000 | $145,000 | $385,000 | $73,000 | $209,000 |
| Home Improvement | 18 | $1,100,000 | $61,000 | $215,000 | $89,000 | $277,000 |
| Other Purpose | 5 | $465,000 | $93,000 | $205,000 | $105,000 | $148,000 |
| Not Applicable | 3 | $255,000 | $85,000 | $135,000 | $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 | 164 | $22,900,000 | $139,000 | $405,000 | $85,000 | $525,000 |
| Not applicable | 26 | $4,790,000 | $184,000 | $1,005,000 | $108,000 | $264,000 |
| Not Provided | 24 | $3,760,000 | $156,000 | $565,000 | $125,000 | $797,000 |
| Hispanic | 15 | $1,065,000 | $71,000 | $125,000 | $42,000 | $60,000 |
| Asian | 1 | $195,000 | $195,000 | $195,000 | $88,000 | $88,000 |
| Black or African American | 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) | 154 | $21,790,000 | $141,000 | $1,005,000 | $98,000 | $797,000 |
| FHA-insured (Federal Housing Administration) | 38 | $5,900,000 | $155,000 | $295,000 | $67,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 23 | $3,525,000 | $153,000 | $245,000 | $65,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,495,000 | $99,000 | $175,000 | $43,000 | $74,000 |
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 | 148 | $20,490,000 | $138,000 | $1,005,000 | $86,000 | $797,000 |
| Loan Purchased By The Institution | 28 | $4,270,000 | $152,000 | $295,000 | $104,000 | $264,000 |
| Application Denied By Financial Institution | 25 | $2,765,000 | $110,000 | $435,000 | $74,000 | $203,000 |
| Application Withdrawn By Applicant | 25 | $4,885,000 | $195,000 | $405,000 | $98,000 | $205,000 |
| Application Approved But Not Accepted | 3 | $185,000 | $61,000 | $95,000 | $68,000 | $131,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
| 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 | 202 | $29,600,000 | $146,000 | $1,005,000 | $89,000 | $797,000 |
| Debt-To-Income Ratio | 13 | $1,635,000 | $125,000 | $435,000 | $51,000 | $179,000 |
| Credit History | 5 | $445,000 | $89,000 | $145,000 | $129,000 | $203,000 |
| Unverifiable Information | 3 | $155,000 | $51,000 | $85,000 | $103,000 | $147,000 |
| Collateral | 3 | $615,000 | $205,000 | $305,000 | $99,000 | $158,000 |
| Credit Application Incomplete | 3 | $205,000 | $68,000 | $85,000 | $33,000 | $37,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $75,000 | $75,000 |
| 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 |
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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