Builder Finance Inc Mortgage Lending & HMDA Data, 2024
In 2024, Builder Finance Inc of Sioux Falls, SD reported 191 mortgage applications totaling $104.6 million, up 12% from 2023. The average application was for $547,722, and applicants reported an average income of $0. 18% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (11), Orlando-Kissimmee-Sanford, FL (7) and Jacksonville, FL (6) (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 | 191 |
| Total Mortgage Loan Application Amount | $104,615,000 |
| Average Mortgage Loan Application Amount | $547,722 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| 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Act (HMDA) records Builder Finance Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 25 | $ 11,105,000 | $ 444,200 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 8,875,000 | $ 806,818 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 4,325,000 | $ 617,857 | $ 0 |
| Jacksonville, FL | 6 | $ 1,530,000 | $ 255,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,985,000 | $ 397,000 | $ 0 |
| Albuquerque, NM | 4 | $ 1,520,000 | $ 380,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,260,000 | $ 315,000 | $ 0 |
| San Antonio-New Braunfels, TX | 4 | $ 590,000 | $ 147,500 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,850,000 | $ 462,500 | $ 0 |
| Baltimore-Columbia-Towson, MD | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Dallas-Plano-Irving, TX | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Lakewood-New Brunswick, NJ | 3 | $ 3,325,000 | $ 1,108,333 | $ 0 |
| Pittsburgh, PA | 3 | $ 2,355,000 | $ 785,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 855,000 | $ 285,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 765,000 | $ 255,000 | $ 0 |
| Asheville, NC | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 1,460,000 | $ 730,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Brownsville-Harlingen, TX | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 300,000 | $ 150,000 | $ 0 |
| El Paso, TX | 2 | $ 1,160,000 | $ 580,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 2,810,000 | $ 1,405,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 2,460,000 | $ 1,230,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Jacksonville, NC | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Las Cruces, NM | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 960,000 | $ 480,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 550,000 | $ 275,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 1,220,000 | $ 610,000 | $ 0 |
| Panama City, FL | 2 | $ 2,660,000 | $ 1,330,000 | $ 0 |
| Philadelphia, PA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 3,810,000 | $ 1,905,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Boise City, ID | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Camden, NJ | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Chicago-Naperville, IL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Chico, CA | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Cleveland, OH | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Columbia, SC | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 1,245,000 | $ 1,245,000 | $ 0 |
| El Centro, CA | 1 | $ 1,355,000 | $ 1,355,000 | $ 0 |
| Flint, MI | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Gainesville, GA | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Grand Junction, CO | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 1,355,000 | $ 1,355,000 | $ 0 |
| Houma-Thibodaux, LA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Kingston, NY | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lafayette, LA | 1 | $ 2,855,000 | $ 2,855,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 2,205,000 | $ 2,205,000 | $ 0 |
| Marietta, GA | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Mobile, AL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Morgantown, WV | 1 | $ 1,905,000 | $ 1,905,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ocala, FL | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Odessa, TX | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Pueblo, CO | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Raleigh, NC | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Savannah, GA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 2,125,000 | $ 2,125,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Slidell-Mandeville-Covington, LA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Traverse City, MI | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Tyler, TX | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Waterbury-Shelton, CT | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 1,035,000 | $ 1,035,000 | $ 0 |
| Wichita, KS | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Wilmington, NC | 1 | $ 615,000 | $ 615,000 | $ 0 |
Mortgage Loan Application Detail Totals for Builder Finance Inc in 2024
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 | 105 | $64,935,000 | $618,000 | $5,005,000 | $0 | $0 |
| Home Improvement | 41 | $14,645,000 | $357,000 | $1,355,000 | $0 | $0 |
| Cash-out Refinancing | 27 | $15,585,000 | $577,000 | $2,255,000 | $0 | $0 |
| Refinancing | 18 | $9,450,000 | $525,000 | $2,125,000 | $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 | 191 | $104,615,000 | $547,000 | $5,005,000 | $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) | 191 | $104,615,000 | $547,000 | $5,005,000 | $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 | 147 | $79,365,000 | $539,000 | $5,005,000 | $0 | $0 |
| Loan Originated | 34 | $18,210,000 | $535,000 | $2,125,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $4,070,000 | $1,017,000 | $2,695,000 | $0 | $0 |
| Application Denied By Financial Institution | 3 | $2,035,000 | $678,000 | $1,355,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $935,000 | $311,000 | $605,000 | $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 | 188 | $102,580,000 | $545,000 | $5,005,000 | $0 | $0 |
| Other | 2 | $1,510,000 | $755,000 | $1,355,000 | $0 | $0 |
| Credit History | 1 | $525,000 | $525,000 | $525,000 | $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 2024 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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