Jerauld County, SD Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 34 mortgage applications in Jerauld County, SD totaling $4.4 million, up 26% from 2013. The average application was for $128,000, and applicants reported an average income of $71,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was First National Bank, with 5 applications, followed by Plains Commerce 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 | 34 |
| Total Mortgage Loan Application Amount | $4,378,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $339,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $282,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 722,823,000 | 5 | $ 542,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 515,115,000 | 4 | $ 499,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 850,750,000 | 3 | $ 374,000 |
| Quoin Financial Bank PO BOX 199 MILLER, SD 57362 |
* | $ 140,775,000 | 2 | $ 65,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 351,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 350,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,011,858,000 | 2 | $ 670,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,804,174,000 | 2 | $ 345,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 2 | $ 116,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 44,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 1 | $ 34,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 110,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 62,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 1 | $ 128,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 130,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 128,000 |
The tables below break down 2014 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 2014
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 | 16 | $1,744,000 | $109,000 | $208,000 | $61,000 | $149,000 |
| Refinancing | 16 | $2,399,000 | $149,000 | $339,000 | $86,000 | $282,000 |
| Home Improvement | 2 | $235,000 | $117,000 | $149,000 | $30,000 | $60,000 |
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 | 26 | $3,093,000 | $118,000 | $210,000 | $93,000 | $282,000 |
| Not applicable | 8 | $1,285,000 | $160,000 | $339,000 | $0 | $0 |
| Not Provided | 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 |
| 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) | 25 | $3,370,000 | $134,000 | $339,000 | $75,000 | $282,000 |
| VA-guaranteed (Veterans Administration) | 5 | $499,000 | $99,000 | $128,000 | $46,000 | $112,000 |
| FHA-insured (Federal Housing Administration) | 2 | $385,000 | $192,000 | $203,000 | $141,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $124,000 | $62,000 | $62,000 | $18,000 | $37,000 |
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 | 19 | $2,439,000 | $128,000 | $339,000 | $84,000 | $282,000 |
| Application Denied By Financial Institution | 6 | $903,000 | $150,000 | $208,000 | $71,000 | $100,000 |
| Loan Purchased By The Institution | 5 | $585,000 | $117,000 | $210,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $365,000 | $121,000 | $182,000 | $116,000 | $200,000 |
| Application Approved But Not Accepted | 1 | $86,000 | $86,000 | $86,000 | $60,000 | $60,000 |
| 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 | $349,000 | $174,000 | $208,000 | $72,000 | $86,000 |
| Credit History | 1 | $53,000 | $53,000 | $53,000 | $65,000 | $65,000 |
| Debt-To-Income Ratio | 1 | $203,000 | $203,000 | $203,000 | $83,000 | $83,000 |
| 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 |
| 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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