Jerauld County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 31 mortgage applications in Jerauld County, SD totaling $4.7 million, up 15% from 2024. The average application was for $151,000, and applicants reported an average income of $71,000. 48% of applications resulted in an originated loan and 16% were denied. The most active lender was American Bank & Trust, with 9 applications, followed by PennyMac Loan Services LLC and Plains Commerce Bank.
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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 | 31 |
| Total Mortgage Loan Application Amount | $4,695,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $223,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 9 | $ 1,535,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 420,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 200,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 2 | $ 70,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 270,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 130,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 195,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 135,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 195,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 475,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 325,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 1 | $ 155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Jerauld 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 Jerauld County, SD in 2025
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 | 19 | $3,285,000 | $172,000 | $475,000 | $81,000 | $223,000 |
| Cash-out Refinancing | 6 | $860,000 | $143,000 | $325,000 | $66,000 | $164,000 |
| Home Improvement | 3 | $285,000 | $95,000 | $205,000 | $43,000 | $86,000 |
| Refinancing | 2 | $250,000 | $125,000 | $155,000 | $0 | $0 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $26,000 | $26,000 |
| 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 | 21 | $3,425,000 | $163,000 | $475,000 | $77,000 | $223,000 |
| Not Provided | 5 | $475,000 | $95,000 | $155,000 | $52,000 | $86,000 |
| Not applicable | 3 | $575,000 | $191,000 | $265,000 | $0 | $0 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $74,000 | $74,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $58,000 | $58,000 |
| Hispanic | 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) | 20 | $3,010,000 | $150,000 | $475,000 | $86,000 | $223,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,110,000 | $138,000 | $155,000 | $36,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 3 | $575,000 | $191,000 | $265,000 | $51,000 | $51,000 |
| 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 | 15 | $2,245,000 | $149,000 | $475,000 | $82,000 | $223,000 |
| Application Denied By Financial Institution | 5 | $435,000 | $87,000 | $205,000 | $33,000 | $86,000 |
| Application Withdrawn By Applicant | 5 | $915,000 | $183,000 | $325,000 | $79,000 | $164,000 |
| Loan Purchased By The Institution | 3 | $615,000 | $205,000 | $265,000 | $165,000 | $165,000 |
| File Closed For Incompleteness | 2 | $270,000 | $135,000 | $145,000 | $47,000 | $50,000 |
| Application Approved But Not Accepted | 1 | $215,000 | $215,000 | $215,000 | $51,000 | $51,000 |
| 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 | 26 | $4,260,000 | $163,000 | $475,000 | $81,000 | $223,000 |
| Debt-To-Income Ratio | 4 | $380,000 | $95,000 | $205,000 | $19,000 | $27,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $86,000 | $86,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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