Lawrence County, SD Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,601 mortgage applications in Lawrence County, SD totaling $280.8 million, up 20% from 2011. The average application was for $175,000, and applicants reported an average income of $88,000. 60% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank NA, with 452 applications, followed by First Interstate Bank and Black Hills Federal Credit Union.

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Total Number of Mortgage Applications 1,601
Total Mortgage Loan Application Amount $280,756,000
Average Mortgage Loan Application Amount $175,000
Highest Mortgage Loan Application Amount $1,875,000
Average Applicant Income $88,000
Highest Applicant Income $1,553,000

Mortgage Company List for Lending in Lawrence County, SD for 2012

* 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

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 452 $ 79,716,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 7,294,743,000 312 $ 55,330,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ 910,033,000 93 $ 8,548,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 53 $ 8,477,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 8,458,002,000 42 $ 7,064,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 696,810,000 41 $ 5,941,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,241,069,000 39 $ 7,968,000
Pioneer Bank & Trust
125 E COLORADO BLVD STE 1A
SPEARFISH, SD 57783
* $ 467,298,000 35 $ 6,093,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 32 $ 4,881,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 30 $ 4,763,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 26 $ 4,377,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 25 $ 4,963,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ 2,304,353,000 24 $ 4,778,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 23 $ 6,296,000
Northern Hills Federal Credit Union
1080 MAIN ST
STURGIS, SD 57785
* $ 46,053,000 20 $ 2,779,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 18 $ 3,640,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 18 $ 3,118,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 14 $ 2,589,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 14 $ 2,117,000
Black Hills Community Bank, NA
840 MT. RUSHMORE RD.
RAPID CITY, SD 57701
* $ 102,552,000 13 $ 4,779,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 12 $ 1,953,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 12 $ 2,108,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 739,907,000 11 $ 1,847,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 10 $ 2,314,000
Home Federal Bank
P.O. BOX 5000
SIOUX FALLS, SD 57117
* $ 1,224,205,000 10 $ 2,088,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 9 $ 2,223,000
CU Mortgage Direct, LLC
5010 S. SOLBERG AVENUE
SIOUX FALLS, SD 57108
* $ 48,476,000 9 $ 1,268,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 1,131,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 1,407,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 414,758,000 7 $ 1,980,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ 10,000,000 7 $ 1,346,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 1,902,620,000 6 $ 2,151,000
Midwest Bank
200 EAST BROADWAY, P.O. BOX 440
MONMOUTH, IL 61462
* $ 417,673,000 6 $ 1,074,000
Highmark Federal Credit Union
725 5TH STREET
RAPID CITY, SD 57701
* $ 82,213,000 6 $ 651,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 6 $ 990,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 6 $ 1,445,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 233,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 5 $ 805,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 5 $ 436,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 5 $ 864,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ 847,317,000 5 $ 430,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 594,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 1,022,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 4 $ 931,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 1,165,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 3 $ 1,165,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 3 $ 580,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 3 $ 525,000
Quoin Financial Bank
PO BOX 199
MILLER, SD 57362
* $ 130,688,000 3 $ 444,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 103,931,000 2 $ 242,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 2 $ 95,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 1,119,448,000 2 $ 162,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 584,153,000 2 $ 391,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 2 $ 303,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 336,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 2 $ 479,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 2 $ 416,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 2 $ 422,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 846,417,000 2 $ 512,000
First Bank & Trust
110 N. MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 435,944,000 2 $ 281,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 2 $ 593,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 185,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 518,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 225,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 268,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 77,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 100,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 87,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 133,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 144,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 227,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 1 $ 257,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 274,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 13,433,098,000 1 $ 91,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 280,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 1 $ 162,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 1 $ 303,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 175,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 1 $ 321,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 193,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 256,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 863,794,000 1 $ 165,000
The First National Bank in Sioux Falls
100 S. PHILLIPS AVENUE
SIOUX FALLS, SD 57104
* $ 1,054,086,000 1 $ 583,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 374,787,000 1 $ 385,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 5,553,220,000 1 $ 408,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 20,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,458,515,000 1 $ 136,000
Cortrust Bank
100 EAST HAVENS
MITCHELL, SD 57301
* $ 666,827,000 1 $ 167,000
Security National Bank of South Dakota
325 DAKOTA DUNES BLVD
DAKOTA DUNES, SD 57049
* $ 145,315,000 1 $ 300,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,283,070,000 1 $ 417,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 183,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 477,611,000 1 $ 206,000
Central Bank
600 LAKE AVENUE
STORM LAKE, IA 50588
* $ 459,848,000 1 $ 202,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 158,000
Pinnacle Bank - Wyoming
PO BOX 760
CODY, WY 82414
* $ 597,680,000 1 $ 320,000
Western Vista Federal Credit U
3207 SPARKS ROAD
CHEYENNE, WY 82003
* $ 119,948,000 1 $ 200,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 299,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 1,088,724,000 1 $ 142,000
Altabank
33 E MAIN
AMERICAN FORK, UT 84003
* $ 889,892,000 1 $ 12,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,115,825,000 1 $ 305,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 57,000
Kirkwood Bank & Trust Co.
2911 N 14TH STREET
BISMARCK, ND 58503
* $ 167,844,000 1 $ 204,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 91,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 1 $ 115,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 128,000

The tables below break down 2012 mortgage applications in Lawrence 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 Lawrence County, SD in 2012

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 1,006 $179,988,000 $178,000 $1,875,000 $90,000 $1,300,000
Home Purchase 501 $91,769,000 $183,000 $1,320,000 $83,000 $1,114,000
Home Improvement 94 $8,999,000 $95,000 $417,000 $95,000 $1,553,000

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 1,381 $235,855,000 $170,000 $840,000 $94,000 $1,553,000
Not applicable 114 $25,443,000 $223,000 $1,875,000 $18,000 $600,000
Not Provided 71 $14,627,000 $206,000 $700,000 $89,000 $1,114,000
Hispanic 23 $2,746,000 $119,000 $368,000 $60,000 $112,000
American Indian or Alaskan Native 5 $776,000 $155,000 $234,000 $57,000 $93,000
Black or African American 4 $936,000 $234,000 $293,000 $30,000 $60,000
Native Hawaiian or Other Pacific Islander 2 $250,000 $125,000 $165,000 $97,000 $107,000
Asian 1 $123,000 $123,000 $123,000 $40,000 $40,000

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) 1,270 $221,399,000 $174,000 $1,875,000 $98,000 $1,553,000
VA-guaranteed (Veterans Administration) 132 $28,382,000 $215,000 $754,000 $47,000 $218,000
FHA-insured (Federal Housing Administration) 108 $16,624,000 $153,000 $364,000 $48,000 $169,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 91 $14,351,000 $157,000 $291,000 $44,000 $89,000

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 962 $172,048,000 $178,000 $1,875,000 $95,000 $1,300,000
Application Denied By Financial Institution 213 $34,931,000 $163,000 $520,000 $92,000 $765,000
Loan Purchased By The Institution 173 $31,222,000 $180,000 $417,000 $43,000 $600,000
Application Withdrawn By Applicant 150 $26,321,000 $175,000 $840,000 $90,000 $1,553,000
Application Approved But Not Accepted 72 $11,509,000 $159,000 $810,000 $88,000 $333,000
File Closed For Incompleteness 31 $4,725,000 $152,000 $318,000 $80,000 $347,000
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 43 $7,888,000 $183,000 $417,000 $149,000 $765,000
Debt-To-Income Ratio 36 $6,088,000 $169,000 $417,000 $73,000 $242,000
Credit History 22 $2,513,000 $114,000 $334,000 $68,000 $376,000
Credit Application Incomplete 16 $2,979,000 $186,000 $402,000 $160,000 $638,000
Other 15 $1,870,000 $124,000 $360,000 $78,000 $253,000
Unverifiable Information 5 $933,000 $186,000 $296,000 $126,000 $239,000
Insufficient Cash (Downpayment, Closing Cost) 2 $371,000 $185,000 $199,000 $67,000 $86,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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