In 2013, lenders reported 1,469 mortgage applications in Lawrence County, SD totaling $273.5 million, down 8% from 2012. The average application was for $186,000, and applicants reported an average income of $86,000. 57% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank NA, with 293 applications, followed by First Interstate Bank and Pioneer 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 | 1,469 |
| Total Mortgage Loan Application Amount | $273,517,000 |
| Average Mortgage Loan Application Amount | $186,000 |
| Highest Mortgage Loan Application Amount | $17,661,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,570,000 |
| 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 |
* | $ 1,266,125,000,000 | 293 | $ 51,491,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,694,310,000 | 271 | $ 45,272,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 540,638,000 | 87 | $ 17,940,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 966,603,000 | 70 | $ 10,587,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 55 | $ 9,201,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 43 | $ 7,350,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 736,736,000 | 41 | $ 5,523,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,281,268,000 | 39 | $ 7,645,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 36 | $ 6,690,000 |
| Highmark Federal Credit Union 725 5TH STREET RAPID CITY, SD 57701 |
* | $ 86,330,000 | 31 | $ 4,832,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,077,575,000 | 30 | $ 5,013,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 25 | $ 3,536,000 |
| Northern Hills Federal Credit Union 1080 MAIN ST STURGIS, SD 57785 |
* | $ 48,353,000 | 24 | $ 2,409,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 23 | $ 5,572,000 |
| Black Hills Community Bank, NA 840 MT. RUSHMORE RD. RAPID CITY, SD 57701 |
* | $ 123,655,000 | 22 | $ 8,454,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 22 | $ 3,309,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 21 | $ 3,633,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 19 | $ 2,079,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 17 | $ 2,555,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 15 | $ 1,603,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,215,738,000 | 13 | $ 2,157,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 1,708,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 10 | $ 2,438,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 9 | $ 1,304,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 9 | $ 1,207,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 1,640,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 9 | $ 1,771,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 8 | $ 1,579,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 813,087,000 | 8 | $ 945,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 480,631,000 | 7 | $ 1,426,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 7 | $ 1,304,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,060,324,000 | 7 | $ 1,535,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 1,223,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,490,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 1,282,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 6 | $ 737,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 733,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 5 | $ 948,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 4 | $ 922,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 4 | $ 623,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,460,729,000 | 4 | $ 581,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 4 | $ 1,143,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 4 | $ 872,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 4 | $ 799,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 4 | $ 302,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,080,671,000 | 3 | $ 413,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 510,000 |
| Quoin Financial Bank PO BOX 199 MILLER, SD 57362 |
* | $ 137,938,000 | 3 | $ 574,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 412,260,000 | 3 | $ 436,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,761,275,000 | 3 | $ 410,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 87,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 454,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 405,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 196,961,000 | 2 | $ 381,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 308,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 2 | $ 17,781,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 272,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 264,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 2 | $ 231,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 881,054,000 | 2 | $ 341,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 535,067,000 | 2 | $ 428,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 2 | $ 499,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 290,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 580,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 85,810,000,000 | 1 | $ 333,000 |
| Minnwest Mortgage Corporation 5324 EAST ARROWHEAD PKY, SUITE 102 SIOUX FALLS, SD 57110 |
* | $ 1,665,359,000 | 1 | $ 121,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 336,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 1 | $ 151,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 50,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,305,309,000 | 1 | $ 45,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 166,000 |
| Minnwest Bank Sioux Falls 5001 S LOUISE AVE SIOUX FALLS, SD 57108 |
* | $ 117,082,000 | 1 | $ 128,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 3,670,975,000 | 1 | $ 188,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 281,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 417,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 636,087,000 | 1 | $ 296,000 |
| Hilltop National Bank POBOX 2680 CASPER, WY 82609 |
* | $ 637,046,000 | 1 | $ 206,000 |
| The Security State Bank P.O. BOX 245 EMERY, SD 57332 |
* | $ 44,719,000 | 1 | $ 249,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 400,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 191,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 408,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 1 | $ 190,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 1 | $ 222,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 127,530,000 | 1 | $ 213,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 160,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 1,033,770,000 | 1 | $ 49,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 1 | $ 116,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 128,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 1 | $ 45,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 354,250,000 | 1 | $ 178,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 962,277,000 | 1 | $ 417,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 400,605,000 | 1 | $ 125,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 1 | $ 186,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 84,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 154,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 154,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 151,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 356,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 375,000 |
The tables below break down 2013 mortgage applications in Lawrence County, SD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 822 | $156,663,000 | $190,000 | $17,661,000 | $86,000 | $1,188,000 |
| Home Purchase | 567 | $107,860,000 | $190,000 | $2,900,000 | $87,000 | $1,570,000 |
| Home Improvement | 80 | $8,994,000 | $112,000 | $417,000 | $77,000 | $326,000 |
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 | 1,182 | $197,791,000 | $167,000 | $1,058,000 | $94,000 | $1,188,000 |
| Not applicable | 180 | $57,888,000 | $321,000 | $17,661,000 | $10,000 | $317,000 |
| Not Provided | 77 | $12,824,000 | $166,000 | $580,000 | $143,000 | $1,570,000 |
| Hispanic | 14 | $2,833,000 | $202,000 | $408,000 | $86,000 | $406,000 |
| American Indian or Alaskan Native | 11 | $1,454,000 | $132,000 | $225,000 | $69,000 | $156,000 |
| Asian | 5 | $727,000 | $145,000 | $175,000 | $42,000 | $78,000 |
| Black or African American | 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) | 1,163 | $203,104,000 | $174,000 | $2,900,000 | $96,000 | $1,570,000 |
| FHA-insured (Federal Housing Administration) | 104 | $33,789,000 | $324,000 | $17,661,000 | $51,000 | $289,000 |
| VA-guaranteed (Veterans Administration) | 103 | $21,768,000 | $211,000 | $524,000 | $53,000 | $255,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 99 | $14,856,000 | $150,000 | $296,000 | $38,000 | $92,000 |
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 | 836 | $149,246,000 | $178,000 | $2,900,000 | $98,000 | $1,188,000 |
| Loan Purchased By The Institution | 229 | $58,208,000 | $254,000 | $17,661,000 | $34,000 | $547,000 |
| Application Denied By Financial Institution | 178 | $28,426,000 | $159,000 | $1,058,000 | $78,000 | $1,020,000 |
| Application Withdrawn By Applicant | 154 | $25,683,000 | $166,000 | $417,000 | $102,000 | $1,570,000 |
| Application Approved But Not Accepted | 43 | $6,974,000 | $162,000 | $417,000 | $85,000 | $303,000 |
| File Closed For Incompleteness | 29 | $4,980,000 | $171,000 | $544,000 | $111,000 | $970,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 34 | $5,803,000 | $170,000 | $632,000 | $55,000 | $201,000 |
| Credit History | 21 | $2,645,000 | $125,000 | $378,000 | $60,000 | $113,000 |
| Collateral | 19 | $3,751,000 | $197,000 | $1,058,000 | $138,000 | $1,020,000 |
| Other | 15 | $2,740,000 | $182,000 | $380,000 | $127,000 | $349,000 |
| Credit Application Incomplete | 5 | $639,000 | $127,000 | $188,000 | $114,000 | $145,000 |
| Employment History | 5 | $506,000 | $101,000 | $169,000 | $33,000 | $41,000 |
| Unverifiable Information | 2 | $347,000 | $173,000 | $205,000 | $124,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $130,000 | $130,000 | $130,000 | $25,000 | $25,000 |
| 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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