Harding County, SD Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 14 mortgage applications in Harding County, SD totaling $2.3 million, down 22% from 2023. The average application was for $161,000, and applicants reported an average income of $111,000. 50% of applications resulted in an originated loan and 7% were denied. The most active lender was Pioneer Bank & Trust, with 3 applications, followed by Triad Financial Services, Inc. and Bankwest, Inc..
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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 | 14 |
| Total Mortgage Loan Application Amount | $2,260,000 |
| Average Mortgage Loan Application Amount | $161,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $367,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ n/a | 3 | $ 495,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 560,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 370,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ n/a | 1 | $ 25,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 175,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 195,000 |
| Northern Hills FCU 1080 MAIN ST STURGIS, SD 57785 |
* | $ n/a | 1 | $ 25,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 75,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2024 mortgage applications in Harding 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 Harding County, SD in 2024
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 | 8 | $1,480,000 | $185,000 | $405,000 | $112,000 | $257,000 |
| Cash-out Refinancing | 3 | $515,000 | $171,000 | $175,000 | $66,000 | $70,000 |
| Other Purpose | 2 | $240,000 | $120,000 | $225,000 | $202,000 | $367,000 |
| Refinancing | 1 | $25,000 | $25,000 | $25,000 | $60,000 | $60,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 10 | $1,580,000 | $158,000 | $405,000 | $125,000 | $367,000 |
| American Indian or Alaskan Native | 3 | $505,000 | $168,000 | $255,000 | $79,000 | $96,000 |
| Not Provided | 1 | $175,000 | $175,000 | $175,000 | $70,000 | $70,000 |
| 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 |
| Not applicable | 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) | 11 | $1,745,000 | $158,000 | $405,000 | $124,000 | $367,000 |
| VA-guaranteed (Veterans Administration) | 3 | $515,000 | $171,000 | $175,000 | $66,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 7 | $905,000 | $129,000 | $405,000 | $95,000 | $257,000 |
| Application Approved But Not Accepted | 3 | $585,000 | $195,000 | $305,000 | $113,000 | $185,000 |
| Application Withdrawn By Applicant | 2 | $400,000 | $200,000 | $225,000 | $213,000 | $367,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $70,000 | $70,000 |
| Application Denied By Financial Institution | 1 | $195,000 | $195,000 | $195,000 | $60,000 | $60,000 |
| Loan Purchased By The Institution | 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 | 9 | $1,545,000 | $171,000 | $305,000 | $119,000 | $367,000 |
| Debt-To-Income Ratio | 4 | $520,000 | $130,000 | $405,000 | $107,000 | $257,000 |
| Credit History | 1 | $195,000 | $195,000 | $195,000 | $60,000 | $60,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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