Hutchinson County, SD Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 158 mortgage applications in Hutchinson County, SD totaling $19.5 million, up 37% from 2018. The average application was for $123,000, and applicants reported an average income of $72,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Reliabank Dakota, with 19 applications, followed by Great Western Bank 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 | 158 |
| Total Mortgage Loan Application Amount | $19,490,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $212,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 391,851,000 | 19 | $ 3,005,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 18 | $ 1,210,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,050,339,000 | 12 | $ 810,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,671,036,000 | 10 | $ 1,170,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 8 | $ 1,240,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 7 | $ 895,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 7 | $ 635,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 5 | $ 505,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 4 | $ 370,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,040,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 281,836,000 | 3 | $ 265,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 980,369,000 | 3 | $ 455,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 635,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 3 | $ 465,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 370,000 |
| Rivers Edge Bank 211 N BROADWAY MARION, SD 57043 |
* | $ 205,409,000 | 2 | $ 380,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,761,153,000 | 2 | $ 200,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 310,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 2 | $ 530,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 2 | $ 150,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 2 | $ 100,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 300,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 215,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 125,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 25,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 1 | $ 145,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 115,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 163,045,000 | 1 | $ 75,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 1 | $ 115,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| Operating Engineers Federal Credit Union 250 N CANYONS PARKWAY LIVERMORE, CA 94551 |
* | $ 1,139,508,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 145,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 135,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 1 | $ 145,000 |
| Sofi Mortgage, LLC 6175 MAIN STREET, SUITE 490 FRISCO, TX 75034 |
* | $ -1,000 | 1 | $ 245,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 305,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 125,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,245,686,000 | 1 | $ 145,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 35,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 155,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 217,309,000 | 1 | $ 35,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 245,000 |
The tables below break down 2019 mortgage applications in Hutchinson 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 Hutchinson 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 | 86 | $9,730,000 | $113,000 | $365,000 | $64,000 | $204,000 |
| Refinancing | 33 | $5,265,000 | $159,000 | $395,000 | $106,000 | $212,000 |
| Cash-out Refinancing | 25 | $3,945,000 | $157,000 | $305,000 | $72,000 | $148,000 |
| Home Improvement | 11 | $505,000 | $45,000 | $125,000 | $61,000 | $109,000 |
| Other Purpose | 3 | $45,000 | $15,000 | $35,000 | $39,000 | $53,000 |
| 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 | 127 | $15,595,000 | $122,000 | $395,000 | $72,000 | $212,000 |
| Not Provided | 15 | $1,815,000 | $121,000 | $295,000 | $69,000 | $169,000 |
| Not applicable | 10 | $1,730,000 | $173,000 | $345,000 | $99,000 | $122,000 |
| Hispanic | 6 | $350,000 | $58,000 | $135,000 | $74,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 102 | $12,480,000 | $122,000 | $395,000 | $81,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,120,000 | $130,000 | $295,000 | $67,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,715,000 | $81,000 | $165,000 | $40,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,175,000 | $197,000 | $305,000 | $65,000 | $91,000 |
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 | 89 | $9,885,000 | $111,000 | $395,000 | $72,000 | $212,000 |
| Application Denied By Financial Institution | 26 | $2,450,000 | $94,000 | $305,000 | $54,000 | $148,000 |
| Application Withdrawn By Applicant | 22 | $3,360,000 | $152,000 | $365,000 | $84,000 | $204,000 |
| Loan Purchased By The Institution | 18 | $3,180,000 | $176,000 | $395,000 | $93,000 | $212,000 |
| Application Approved But Not Accepted | 2 | $400,000 | $200,000 | $245,000 | $84,000 | $108,000 |
| File Closed For Incompleteness | 1 | $215,000 | $215,000 | $215,000 | $72,000 | $72,000 |
| 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 | 128 | $16,480,000 | $128,000 | $395,000 | $76,000 | $212,000 |
| Debt-To-Income Ratio | 10 | $1,020,000 | $102,000 | $275,000 | $58,000 | $156,000 |
| Credit History | 9 | $785,000 | $87,000 | $305,000 | $61,000 | $109,000 |
| Collateral | 4 | $680,000 | $170,000 | $295,000 | $59,000 | $92,000 |
| Credit Application Incomplete | 2 | $80,000 | $40,000 | $45,000 | $46,000 | $53,000 |
| Other | 2 | $30,000 | $15,000 | $25,000 | $49,000 | $61,000 |
| Employment History | 2 | $170,000 | $85,000 | $115,000 | $50,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $245,000 | $245,000 | $245,000 | $148,000 | $148,000 |
| Mortgage Insurance Denied | 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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