Kingsbury County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 94 mortgage applications in Kingsbury County, SD totaling $13.4 million, up 8% from 2015. The average application was for $142,000, and applicants reported an average income of $61,000. 49% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 10 applications, followed by Great Western Bank and New Day Financial, Llc..
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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 | 94 |
| Total Mortgage Loan Application Amount | $13,387,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $1,022,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $352,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 10 | $ 1,373,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 6 | $ 506,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 949,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 740,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 4 | $ 302,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 938,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,547,327,000 | 3 | $ 318,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 716,170,000 | 3 | $ 488,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 304,199,000 | 3 | $ 820,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 610,982,000 | 3 | $ 545,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 2 | $ 252,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 180,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 2 | $ 242,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 265,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 2 | $ 96,000 |
| Private Bank of Buckhead 3565 PIEDMONT ROAD, BLDG 3, STE 210 ATLANTA, GA 30305 |
* | $ 280,450,000 | 2 | $ 242,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 848,094,000 | 2 | $ 305,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 232,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 240,250,000 | 2 | $ 565,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 222,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 131,000 |
| Highmark Federal Credit Union 725 5TH STREET RAPID CITY, SD 57701 |
* | $ 110,244,000 | 2 | $ 84,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 271,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 125,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 92,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 116,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 595,776,000 | 1 | $ 52,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,421,072,000 | 1 | $ 290,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 727,923,000 | 1 | $ 23,000 |
| Enterprise Bank & Trust 150 N. MERAMEC AVE. CLAYTON, MO 63105 |
* | $ 3,596,390,000 | 1 | $ 59,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 276,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 65,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 1 | $ 102,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 2,959,506,000 | 1 | $ 73,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 130,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,293,340,000 | 1 | $ 1,022,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 57,000 |
The tables below break down 2016 mortgage applications in Kingsbury 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 Kingsbury County, SD in 2016
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 | 48 | $6,221,000 | $129,000 | $337,000 | $53,000 | $147,000 |
| Refinancing | 42 | $6,992,000 | $166,000 | $1,022,000 | $68,000 | $352,000 |
| Home Improvement | 4 | $174,000 | $43,000 | $73,000 | $80,000 | $107,000 |
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 | 71 | $9,647,000 | $135,000 | $674,000 | $70,000 | $352,000 |
| Not applicable | 14 | $2,638,000 | $188,000 | $1,022,000 | $5,000 | $78,000 |
| Not Provided | 6 | $376,000 | $62,000 | $92,000 | $56,000 | $75,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $674,000 | $337,000 | $337,000 | $133,000 | $133,000 |
| American Indian or Alaskan Native | 1 | $52,000 | $52,000 | $52,000 | $79,000 | $79,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 63 | $9,682,000 | $153,000 | $1,022,000 | $69,000 | $352,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,408,000 | $117,000 | $276,000 | $53,000 | $178,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,672,000 | $152,000 | $341,000 | $49,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $625,000 | $78,000 | $121,000 | $30,000 | $62,000 |
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 | 46 | $6,721,000 | $146,000 | $1,022,000 | $76,000 | $352,000 |
| Application Denied By Financial Institution | 16 | $2,445,000 | $152,000 | $325,000 | $61,000 | $138,000 |
| Loan Purchased By The Institution | 14 | $2,074,000 | $148,000 | $337,000 | $24,000 | $133,000 |
| Application Withdrawn By Applicant | 10 | $1,238,000 | $123,000 | $341,000 | $31,000 | $75,000 |
| File Closed For Incompleteness | 4 | $642,000 | $160,000 | $271,000 | $102,000 | $178,000 |
| Application Approved But Not Accepted | 4 | $267,000 | $66,000 | $90,000 | $52,000 | $99,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $158,000 | $79,000 | $99,000 | $45,000 | $54,000 |
| Credit Application Incomplete | 1 | $74,000 | $74,000 | $74,000 | $47,000 | $47,000 |
| Credit History | 1 | $52,000 | $52,000 | $52,000 | $79,000 | $79,000 |
| Debt-To-Income Ratio | 1 | $65,000 | $65,000 | $65,000 | $101,000 | $101,000 |
| Employment History | 1 | $74,000 | $74,000 | $74,000 | $28,000 | $28,000 |
| Other | 1 | $111,000 | $111,000 | $111,000 | $0 | $0 |
| Unverifiable Information | 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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