Hyde County, SD Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 19 mortgage applications in Hyde County, SD totaling $2.5 million, down 41% from 2023. The average application was for $133,000, and applicants reported an average income of $123,000. 63% of applications resulted in an originated loan and 21% were denied. The most active lender was State Departmenet Federal Credit Union, with 3 applications, followed by American Bank & Trust and Black Hills Federal Credit Union.
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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 | 19 |
| Total Mortgage Loan Application Amount | $2,545,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $279,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ n/a | 3 | $ 75,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 3 | $ 225,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 2 | $ 200,000 |
| Quoin Financial Bank 201 N BROADWAY MILLER, SD 57362 |
* | $ n/a | 2 | $ 720,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 300,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 500,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 1 | $ 95,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 55,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 75,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2024 mortgage applications in Hyde 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 Hyde 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 | 9 | $1,305,000 | $145,000 | $365,000 | $74,000 | $149,000 |
| Home Improvement | 6 | $350,000 | $58,000 | $135,000 | $140,000 | $262,000 |
| Other Purpose | 2 | $460,000 | $230,000 | $365,000 | $203,000 | $279,000 |
| Refinancing | 1 | $355,000 | $355,000 | $355,000 | $204,000 | $204,000 |
| Cash-out Refinancing | 1 | $75,000 | $75,000 | $75,000 | $75,000 | $75,000 |
| 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 | 13 | $1,745,000 | $134,000 | $365,000 | $125,000 | $279,000 |
| Not applicable | 3 | $395,000 | $131,000 | $155,000 | $0 | $0 |
| Not Provided | 2 | $260,000 | $130,000 | $155,000 | $131,000 | $201,000 |
| Hispanic | 1 | $145,000 | $145,000 | $145,000 | $81,000 | $81,000 |
| 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) | 18 | $2,490,000 | $138,000 | $365,000 | $128,000 | $279,000 |
| FHA-insured (Federal Housing Administration) | 1 | $55,000 | $55,000 | $55,000 | $57,000 | $57,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 12 | $1,650,000 | $137,000 | $365,000 | $107,000 | $279,000 |
| Application Denied By Financial Institution | 4 | $290,000 | $72,000 | $135,000 | $124,000 | $262,000 |
| Application Withdrawn By Applicant | 1 | $105,000 | $105,000 | $105,000 | $201,000 | $201,000 |
| File Closed For Incompleteness | 1 | $355,000 | $355,000 | $355,000 | $204,000 | $204,000 |
| Loan Purchased By The Institution | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 13 | $1,535,000 | $118,000 | $365,000 | $112,000 | $279,000 |
| Collateral | 3 | $275,000 | $91,000 | $135,000 | $123,000 | $262,000 |
| Debt-To-Income Ratio | 2 | $720,000 | $360,000 | $365,000 | $176,000 | $204,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $130,000 | $130,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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