Lake County, SD Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 768 mortgage applications in Lake County, SD totaling $106.0 million, down 11% from 2009. The average application was for $137,000, and applicants reported an average income of $91,000. 57% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank, NA, with 137 applications, followed by CU Mortgage Direct, LLC and First Bank & Trust.
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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 | 768 |
| Total Mortgage Loan Application Amount | $105,972,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $1,050,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $1,891,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 137 | $ 18,021,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 105 | $ 13,206,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 384,883,000 | 92 | $ 11,161,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 83 | $ 12,162,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 55 | $ 6,945,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 54 | $ 5,483,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 31 | $ 4,562,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,597,000 | 19 | $ 3,449,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 400,559,000 | 19 | $ 2,693,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 853,905,000 | 17 | $ 1,846,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,121,795,000 | 14 | $ 3,722,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 13 | $ 2,669,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 13 | $ 1,791,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 11 | $ 949,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 11 | $ 2,381,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 10 | $ 1,407,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 8 | $ 1,071,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 749,809,000 | 5 | $ 233,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 5 | $ 631,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 3 | $ 181,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 916,477,000 | 3 | $ 2,986,000 |
| Minnwest Bank Sioux Falls 5001 S LOUISE AVE SIOUX FALLS, SD 57108 |
* | $ 123,929,000 | 3 | $ 213,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,652,838,000 | 3 | $ 523,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,030,702,000 | 3 | $ 419,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 3 | $ 461,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 754,492,000 | 3 | $ 250,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 595,554,000 | 2 | $ 201,000 |
| Frontier Bank 301 FIRST AVENUE ROCK RAPIDS, IA 51246 |
* | $ 161,053,000 | 2 | $ 770,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 165,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 289,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 125,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 382,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 2 | $ 464,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 95,000 |
| Community Mortgage Funding, LLC 3201 WEST TEMPLE AVE, SUITE 120 POMONA, CA 91768 |
* | $ 500,000,000 | 1 | $ 146,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 140,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 127,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 135,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 66,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 135,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 1 | $ 73,000 |
| Minnwest Mortgage Corporation 5324 EAST ARROWHEAD PKY, SUITE 102 SIOUX FALLS, SD 57110 |
* | $ 1,751,723,000 | 1 | $ 52,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ 849,505,000 | 1 | $ 146,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 493,146,000 | 1 | $ 149,000 |
| Rivers Edge Bank 211 N BROADWAY MARION, SD 57043 |
* | $ 84,415,000 | 1 | $ 128,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 41,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 149,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 163,026,000 | 1 | $ 110,000 |
| Kellogg Midwest Federal Credit Union 9618 BRENTWOOD DR LA VISTA, NE 68128 |
* | $ 46,147,000 | 1 | $ 127,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 75,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 145,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 122,299,000 | 1 | $ 185,000 |
| Security National Bank of South Dakota 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 130,244,000 | 1 | $ 190,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 58,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 264,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 499,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 180,647,000 | 1 | $ 417,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 167,806,000 | 1 | $ 67,000 |
The tables below break down 2010 mortgage applications in Lake 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 Lake County, SD in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 516 | $75,103,000 | $145,000 | $968,000 | $100,000 | $1,891,000 |
| Home Purchase | 213 | $28,292,000 | $132,000 | $1,050,000 | $77,000 | $527,000 |
| Home Improvement | 39 | $2,577,000 | $66,000 | $300,000 | $60,000 | $181,000 |
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 | 685 | $91,306,000 | $133,000 | $1,050,000 | $98,000 | $1,891,000 |
| Not applicable | 49 | $9,759,000 | $199,000 | $968,000 | $5,000 | $129,000 |
| Not Provided | 32 | $4,804,000 | $150,000 | $499,000 | $90,000 | $250,000 |
| Hispanic | 1 | $78,000 | $78,000 | $78,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $38,000 | $38,000 |
| 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 |
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) | 614 | $87,694,000 | $142,000 | $1,050,000 | $102,000 | $1,891,000 |
| FHA-insured (Federal Housing Administration) | 109 | $11,853,000 | $108,000 | $277,000 | $50,000 | $217,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,439,000 | $164,000 | $499,000 | $53,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,986,000 | $110,000 | $185,000 | $42,000 | $72,000 |
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 | 436 | $62,112,000 | $142,000 | $1,050,000 | $105,000 | $1,891,000 |
| Loan Purchased By The Institution | 128 | $18,633,000 | $145,000 | $499,000 | $76,000 | $1,891,000 |
| Application Denied By Financial Institution | 82 | $10,086,000 | $123,000 | $530,000 | $69,000 | $498,000 |
| Application Withdrawn By Applicant | 71 | $9,230,000 | $130,000 | $400,000 | $74,000 | $496,000 |
| Application Approved But Not Accepted | 44 | $5,251,000 | $119,000 | $320,000 | $74,000 | $250,000 |
| File Closed For Incompleteness | 7 | $660,000 | $94,000 | $169,000 | $84,000 | $239,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 16 | $1,169,000 | $73,000 | $170,000 | $61,000 | $156,000 |
| Debt-To-Income Ratio | 15 | $3,106,000 | $207,000 | $530,000 | $56,000 | $140,000 |
| Collateral | 12 | $1,794,000 | $149,000 | $417,000 | $119,000 | $498,000 |
| Other | 6 | $682,000 | $113,000 | $177,000 | $80,000 | $160,000 |
| Unverifiable Information | 3 | $444,000 | $148,000 | $224,000 | $114,000 | $217,000 |
| Credit Application Incomplete | 3 | $466,000 | $155,000 | $204,000 | $77,000 | $102,000 |
| Employment History | 1 | $150,000 | $150,000 | $150,000 | $78,000 | $78,000 |
| 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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