Builder Finance Inc Mortgage Lending & HMDA Data, 2025
In 2025, Builder Finance Inc of Sioux Falls, SD reported 155 mortgage applications totaling $83.9 million, down 19% from 2024. The average application was for $541,451, and applicants reported an average income of $0. 30% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (8), Atlanta-Sandy Springs-Roswell, GA (5) and Albuquerque, NM (4) (applications in parentheses).
| Mortgage Company & Address | Builder Finance Inc 1418 N C Ave Sioux Falls, SD 57103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 155 |
| Total Mortgage Loan Application Amount | $83,925,000 |
| Average Mortgage Loan Application Amount | $541,451 |
| Highest Mortgage Loan Application Amount | $3,045,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Builder Finance Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 4 | $ 1,440,000 | $ 360,000 | $ 0 |
| Escambia, Florida | 3 | $ 555,000 | $ 185,000 | $ 0 |
| Miami-Dade, Florida | 3 | $ 2,125,000 | $ 708,333 | $ 0 |
| Palm Beach, Florida | 3 | $ 855,000 | $ 285,000 | $ 0 |
| Clark, Nevada | 3 | $ 2,505,000 | $ 835,000 | $ 0 |
| Bernalillo, New Mexico | 3 | $ 2,255,000 | $ 751,666 | $ 0 |
| Buncombe, North Carolina | 3 | $ 915,000 | $ 305,000 | $ 0 |
| Brown, Ohio | 3 | $ 575,000 | $ 191,666 | $ 0 |
| Davidson, Tennessee | 3 | $ 3,775,000 | $ 1,258,333 | $ 0 |
| Dallas, Texas | 3 | $ 1,175,000 | $ 391,666 | $ 0 |
| Galveston, Texas | 3 | $ 2,205,000 | $ 735,000 | $ 0 |
| Madison, Alabama | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Mobile, Alabama | 2 | $ 210,000 | $ 105,000 | $ 0 |
| San Bernardino, California | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Santa Cruz, California | 2 | $ 2,870,000 | $ 1,435,000 | $ 0 |
| Capitol Planning Region, Connecticut | 2 | $ 690,000 | $ 345,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 2,190,000 | $ 1,095,000 | $ 0 |
| Lee, Florida | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Pinellas, Florida | 2 | $ 2,310,000 | $ 1,155,000 | $ 0 |
| Fulton, Georgia | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Bristol, Massachusetts | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Essex, New Jersey | 2 | $ 3,060,000 | $ 1,530,000 | $ 0 |
| Luna, New Mexico | 2 | $ 1,830,000 | $ 915,000 | $ 0 |
| Burke, North Carolina | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 1,860,000 | $ 930,000 | $ 0 |
| Anderson, South Carolina | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Shelby, Tennessee | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Portsmouth, Virginia | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Suffolk, Virginia | 2 | $ 580,000 | $ 290,000 | $ 0 |
| King, Washington | 2 | $ 1,200,000 | $ 600,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Gila, Arizona | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Los Angeles, California | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Riverside, California | 1 | $ 1,685,000 | $ 1,685,000 | $ 0 |
| Sacramento, California | 1 | $ 305,000 | $ 305,000 | $ 0 |
| San Diego, California | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Boulder, Colorado | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Denver, Colorado | 1 | $ 335,000 | $ 335,000 | $ 0 |
| El Paso, Colorado | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Fremont, Colorado | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Mesa, Colorado | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Southeastern Connecticut Planning Region, Connecticut | 1 | $ 955,000 | $ 955,000 | $ 0 |
| New Castle, Delaware | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Sussex, Delaware | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Brevard, Florida | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
| Citrus, Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Hamilton, Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Seminole, Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Camden, Georgia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cobb, Georgia | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Dawson, Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Monroe, Georgia | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Cook, Illinois | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Massac, Illinois | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Montgomery, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Caddo, Louisiana | 1 | $ 355,000 | $ 355,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| St. Tammany, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Nantucket, Massachusetts | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Macomb, Michigan | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Wayne, Michigan | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Panola, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jefferson, Missouri | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Gloucester, New Jersey | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Hudson, New Jersey | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Hunterdon, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Ocean, New Jersey | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Erie, New York | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Kings, New York | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Niagara, New York | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Orange, New York | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Catawba, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Orange, North Carolina | 1 | $ 1,415,000 | $ 1,415,000 | $ 0 |
| Pitt, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Erie, Ohio | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Richland, Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 1,965,000 | $ 1,965,000 | $ 0 |
| Chesterfield, South Carolina | 1 | $ 1,575,000 | $ 1,575,000 | $ 0 |
| Horry, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Orangeburg, South Carolina | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Day, South Dakota | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Minnehaha, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Pennington, South Dakota | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Cumberland, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Washington, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bexar, Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Brazos, Texas | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Collin, Texas | 1 | $ 1,785,000 | $ 1,785,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Lubbock, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| McCulloch, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Palo Pinto, Texas | 1 | $ 1,625,000 | $ 1,625,000 | $ 0 |
| Polk, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Randall, Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Travis, Texas | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Grays Harbor, Washington | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Cabell, West Virginia | 1 | $ 575,000 | $ 575,000 | $ 0 |
Mortgage Loan Application Detail Totals for Builder Finance Inc in 2025
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 | 80 | $37,990,000 | $474,000 | $2,505,000 | $0 | $0 |
| Cash-out Refinancing | 36 | $27,500,000 | $763,000 | $2,105,000 | $0 | $0 |
| Home Improvement | 25 | $9,405,000 | $376,000 | $1,965,000 | $0 | $0 |
| Refinancing | 14 | $9,030,000 | $645,000 | $3,045,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 155 | $83,925,000 | $541,000 | $3,045,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 155 | $83,925,000 | $541,000 | $3,045,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 91 | $46,315,000 | $508,000 | $3,045,000 | $0 | $0 |
| Loan Originated | 46 | $26,230,000 | $570,000 | $1,785,000 | $0 | $0 |
| Application Withdrawn By Applicant | 7 | $4,715,000 | $673,000 | $1,965,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $2,970,000 | $495,000 | $1,755,000 | $0 | $0 |
| Application Denied By Financial Institution | 5 | $3,695,000 | $739,000 | $1,305,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 150 | $80,230,000 | $534,000 | $3,045,000 | $0 | $0 |
| Other | 4 | $3,320,000 | $830,000 | $1,305,000 | $0 | $0 |
| Credit History | 1 | $375,000 | $375,000 | $375,000 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Builder Finance Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Builder Finance Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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