Jerauld County, SD Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 30 mortgage applications in Jerauld County, SD totaling $17.3 million, up 7% from 2016. The average application was for $577,000, and applicants reported an average income of $74,000. 63% of applications resulted in an originated loan and 23% were denied. The most active lender was First National Bank of Omaha, with 6 applications, followed by American Bank & Trust and First National 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 | 30 |
| Total Mortgage Loan Application Amount | $17,335,000 |
| Average Mortgage Loan Application Amount | $577,000 |
| Highest Mortgage Loan Application Amount | $13,588,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $707,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 6 | $ 436,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 650,765,000 | 4 | $ 490,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 926,222,000 | 3 | $ 532,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,157,709,000 | 3 | $ 14,529,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 2 | $ 294,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,480,298,000 | 2 | $ 66,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 1 | $ 227,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 1 | $ 50,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 629,000,000 | 1 | $ 40,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 125,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 160,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 120,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 1 | $ 125,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 40,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 38,000 |
The tables below break down 2017 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 2017
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 | $1,711,000 | $106,000 | $250,000 | $45,000 | $145,000 |
| Refinancing | 10 | $15,560,000 | $1,556,000 | $13,588,000 | $126,000 | $707,000 |
| Home Improvement | 4 | $64,000 | $16,000 | $50,000 | $60,000 | $93,000 |
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 | 22 | $2,499,000 | $113,000 | $250,000 | $98,000 | $707,000 |
| Not applicable | 6 | $14,678,000 | $2,446,000 | $13,588,000 | $0 | $0 |
| Not Provided | 2 | $158,000 | $79,000 | $153,000 | $32,000 | $65,000 |
| 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) | 21 | $16,479,000 | $784,000 | $13,588,000 | $86,000 | $707,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $421,000 | $70,000 | $125,000 | $31,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 3 | $435,000 | $145,000 | $227,000 | $76,000 | $145,000 |
| FHA-insured (Federal Housing 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 | 19 | $16,372,000 | $861,000 | $13,588,000 | $90,000 | $707,000 |
| Application Denied By Financial Institution | 7 | $418,000 | $59,000 | $160,000 | $52,000 | $124,000 |
| Application Withdrawn By Applicant | 2 | $380,000 | $190,000 | $227,000 | $72,000 | $145,000 |
| Loan Purchased By The Institution | 2 | $165,000 | $82,000 | $125,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $167,000 | $41,000 | $63,000 | $46,000 | $72,000 |
| Credit History | 1 | $31,000 | $31,000 | $31,000 | $30,000 | $30,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $31,000 | $31,000 |
| 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 |
| Debt-To-Income Ratio | 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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