Jackson County, SD Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 26 mortgage applications in Jackson County, SD totaling $34.8 million, up 37% from 2012. The average application was for $1,339,000, and applicants reported an average income of $50,000. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was Bankwest, Inc., with 6 applications, followed by Security First 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 | 26 |
| Total Mortgage Loan Application Amount | $34,821,000 |
| Average Mortgage Loan Application Amount | $1,339,000 |
| Highest Mortgage Loan Application Amount | $33,160,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $187,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 813,087,000 | 6 | $ 434,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 881,054,000 | 5 | $ 73,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 3 | $ 251,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 2 | $ 110,000 |
| Washington County Bank PO BOX 248 BLAIR, NE 68008 |
* | $ 313,835,000 | 1 | $ 157,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 736,736,000 | 1 | $ 58,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 33,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 540,638,000 | 1 | $ 36,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 18,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 101,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,694,310,000 | 1 | $ 2,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 33,160,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 966,603,000 | 1 | $ 128,000 |
The tables below break down 2013 mortgage applications in Jackson 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 Jackson 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 11 | $613,000 | $55,000 | $105,000 | $40,000 | $135,000 |
| Refinancing | 8 | $34,048,000 | $4,256,000 | $33,160,000 | $52,000 | $107,000 |
| Home Improvement | 7 | $160,000 | $22,000 | $101,000 | $62,000 | $187,000 |
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 | 16 | $1,183,000 | $73,000 | $157,000 | $54,000 | $187,000 |
| American Indian or Alaskan Native | 7 | $200,000 | $28,000 | $101,000 | $56,000 | $135,000 |
| Not Provided | 2 | $278,000 | $139,000 | $260,000 | $17,000 | $34,000 |
| Not applicable | 1 | $33,160,000 | $33,160,000 | $33,160,000 | $0 | $0 |
| 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 |
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) | 17 | $1,024,000 | $60,000 | $157,000 | $56,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $243,000 | $48,000 | $56,000 | $39,000 | $56,000 |
| FHA-insured (Federal Housing Administration) | 3 | $33,294,000 | $11,098,000 | $33,160,000 | $49,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 1 | $260,000 | $260,000 | $260,000 | $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 | 14 | $792,000 | $56,000 | $260,000 | $52,000 | $187,000 |
| Application Denied By Financial Institution | 5 | $466,000 | $93,000 | $157,000 | $53,000 | $107,000 |
| Loan Purchased By The Institution | 3 | $33,270,000 | $11,090,000 | $33,160,000 | $29,000 | $56,000 |
| Application Withdrawn By Applicant | 2 | $206,000 | $103,000 | $105,000 | $62,000 | $125,000 |
| Application Approved But Not Accepted | 2 | $87,000 | $43,000 | $69,000 | $48,000 | $63,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $162,000 | $81,000 | $104,000 | $28,000 | $34,000 |
| Debt-To-Income Ratio | 1 | $72,000 | $72,000 | $72,000 | $64,000 | $64,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $39,000 | $39,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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