Unify Home Lending Inc. Mortgage Lending & HMDA Data, 2022
In 2022, Unify Home Lending Inc. of Pierre, SD reported 550 mortgage applications totaling $149.5 million, down 32% from 2021. The average application was for $271,890, and applicants reported an average income of $102,738. 76% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Rapid City, SD (164), Billings, MT (12) and Oklahoma City, OK (9) (applications in parentheses).
| Mortgage Company & Address | Unify Home Lending Inc. 2101 Mt Rushmore Rd #300 Pierre, SD 57701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 550 |
| Total Mortgage Loan Application Amount | $149,540,000 |
| Average Mortgage Loan Application Amount | $271,890 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $102,738 |
| Highest Applicant Income | $1,559,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Unify Home Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Pennington, South Dakota | 127 | $ 37,625,000 | $ 296,259 | $ 104,000 |
| McKenzie, North Dakota | 110 | $ 28,520,000 | $ 259,272 | $ 103,000 |
| Campbell, Wyoming | 52 | $ 12,560,000 | $ 241,538 | $ 87,000 |
| Williams, North Dakota | 45 | $ 12,905,000 | $ 286,777 | $ 110,000 |
| Meade, South Dakota | 37 | $ 12,505,000 | $ 337,972 | $ 110,000 |
| Lawrence, South Dakota | 19 | $ 6,585,000 | $ 346,578 | $ 197,000 |
| Dawson, Montana | 18 | $ 2,750,000 | $ 152,777 | $ 86,000 |
| Weston, Wyoming | 17 | $ 2,875,000 | $ 169,117 | $ 79,000 |
| Stark, North Dakota | 12 | $ 2,640,000 | $ 220,000 | $ 95,000 |
| Yellowstone, Montana | 10 | $ 2,710,000 | $ 271,000 | $ 96,000 |
| Butte, South Dakota | 8 | $ 1,930,000 | $ 241,250 | $ 67,000 |
| Grady, Oklahoma | 7 | $ 1,235,000 | $ 176,428 | $ 62,000 |
| Richland, Montana | 6 | $ 1,490,000 | $ 248,333 | $ 86,000 |
| Minnehaha, South Dakota | 5 | $ 1,415,000 | $ 283,000 | $ 78,000 |
| Morton, North Dakota | 4 | $ 1,260,000 | $ 315,000 | $ 215,000 |
| Fall River, South Dakota | 4 | $ 640,000 | $ 160,000 | $ 75,000 |
| Crook, Wyoming | 4 | $ 1,350,000 | $ 337,500 | $ 129,000 |
| Fergus, Montana | 3 | $ 935,000 | $ 311,666 | $ 109,000 |
| McCone, Montana | 3 | $ 885,000 | $ 295,000 | $ 95,000 |
| Burleigh, North Dakota | 3 | $ 1,175,000 | $ 391,666 | $ 153,000 |
| Dunn, North Dakota | 3 | $ 685,000 | $ 228,333 | $ 108,000 |
| Custer, South Dakota | 3 | $ 1,535,000 | $ 511,666 | $ 111,000 |
| Cascade, Montana | 2 | $ 340,000 | $ 170,000 | $ 57,000 |
| Custer, Montana | 2 | $ 460,000 | $ 230,000 | $ 70,000 |
| Madison, Montana | 2 | $ 450,000 | $ 225,000 | $ 86,000 |
| Musselshell, Montana | 2 | $ 640,000 | $ 320,000 | $ 102,000 |
| Albany, Wyoming | 2 | $ 610,000 | $ 305,000 | $ 224,000 |
| Park, Wyoming | 2 | $ 610,000 | $ 305,000 | $ 74,000 |
| Carbon, Montana | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| Carter, Montana | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Fallon, Montana | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Flathead, Montana | 1 | $ 255,000 | $ 255,000 | $ 50,000 |
| Gallatin, Montana | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Hill, Montana | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Jefferson, Montana | 1 | $ 355,000 | $ 355,000 | $ 81,000 |
| Lewis and Clark, Montana | 1 | $ 455,000 | $ 455,000 | $ 102,000 |
| Lincoln, Montana | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| Rosebud, Montana | 1 | $ 315,000 | $ 315,000 | $ 122,000 |
| Silver Bow, Montana | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Stillwater, Montana | 1 | $ 365,000 | $ 365,000 | $ 123,000 |
| Sweet Grass, Montana | 1 | $ 605,000 | $ 605,000 | $ 157,000 |
| Valley, Montana | 1 | $ 545,000 | $ 545,000 | $ 164,000 |
| Adams, North Dakota | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Bowman, North Dakota | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Eddy, North Dakota | 1 | $ 265,000 | $ 265,000 | $ 159,000 |
| Hettinger, North Dakota | 1 | $ 365,000 | $ 365,000 | $ 127,000 |
| Kidder, North Dakota | 1 | $ 175,000 | $ 175,000 | $ 140,000 |
| Mountrail, North Dakota | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Sheridan, North Dakota | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Traill, North Dakota | 1 | $ 425,000 | $ 425,000 | $ 192,000 |
| Ward, North Dakota | 1 | $ 365,000 | $ 365,000 | $ 117,000 |
| Logan, Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 73,000 |
| McClain, Oklahoma | 1 | $ 425,000 | $ 425,000 | $ 151,000 |
| Stephens, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 162,000 |
| Beadle, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Brule, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Lincoln, South Dakota | 1 | $ 265,000 | $ 265,000 | $ 119,000 |
| Roberts, South Dakota | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Spink, South Dakota | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Stanley, South Dakota | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Union, South Dakota | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Yankton, South Dakota | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Big Horn, Wyoming | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| Hot Springs, Wyoming | 1 | $ 405,000 | $ 405,000 | $ 106,000 |
| Johnson, Wyoming | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Natrona, Wyoming | 1 | $ 325,000 | $ 325,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Unify Home Lending Inc. in 2022
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 | 466 | $123,450,000 | $264,000 | $1,045,000 | $95,000 | $368,000 |
| Refinancing | 49 | $17,065,000 | $348,000 | $3,005,000 | $154,000 | $971,000 |
| Cash-out Refinancing | 35 | $9,025,000 | $257,000 | $645,000 | $134,000 | $1,559,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| White | 467 | $126,545,000 | $270,000 | $1,045,000 | $103,000 | $1,559,000 |
| Hispanic | 39 | $8,355,000 | $214,000 | $415,000 | $85,000 | $172,000 |
| Not Provided | 21 | $7,715,000 | $367,000 | $3,005,000 | $158,000 | $971,000 |
| American Indian or Alaskan Native | 11 | $3,225,000 | $293,000 | $445,000 | $103,000 | $165,000 |
| Black or African American | 7 | $2,065,000 | $295,000 | $585,000 | $85,000 | $147,000 |
| Asian | 4 | $1,420,000 | $355,000 | $425,000 | $88,000 | $126,000 |
| Not applicable | 1 | $215,000 | $215,000 | $215,000 | $53,000 | $53,000 |
| 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) | 294 | $84,030,000 | $285,000 | $3,005,000 | $118,000 | $1,559,000 |
| FHA-insured (Federal Housing Administration) | 168 | $39,520,000 | $235,000 | $425,000 | $86,000 | $255,000 |
| VA-guaranteed (Veterans Administration) | 64 | $21,380,000 | $334,000 | $1,045,000 | $95,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $4,610,000 | $192,000 | $335,000 | $62,000 | $103,000 |
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 | 419 | $110,205,000 | $263,000 | $1,045,000 | $102,000 | $1,559,000 |
| Application Withdrawn By Applicant | 122 | $36,520,000 | $299,000 | $3,005,000 | $109,000 | $971,000 |
| Application Denied By Financial Institution | 9 | $2,815,000 | $312,000 | $645,000 | $92,000 | $182,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 | 541 | $146,725,000 | $271,000 | $3,005,000 | $103,000 | $1,559,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $885,000 | $295,000 | $355,000 | $112,000 | $182,000 |
| Debt-To-Income Ratio | 2 | $900,000 | $450,000 | $645,000 | $113,000 | $142,000 |
| Employment History | 1 | $355,000 | $355,000 | $355,000 | $59,000 | $59,000 |
| Collateral | 1 | $225,000 | $225,000 | $225,000 | $63,000 | $63,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $67,000 | $67,000 |
| Credit History | 1 | $245,000 | $245,000 | $245,000 | $79,000 | $79,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Unify Home Lending Inc.'s 2022 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 Unify Home Lending 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.
For a list of all lenders in South Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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