Marshall County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 78 mortgage applications in Marshall County, SD totaling $9.2 million, down 7% from 2015. The average application was for $117,000, and applicants reported an average income of $70,000. 63% of applications resulted in an originated loan and 15% were denied. The most active lender was CU Mortgage Direct, LLC, with 12 applications, followed by Wells Fargo Bank NA and Dacotah Bank.
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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 | 78 |
| Total Mortgage Loan Application Amount | $9,198,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $430,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $288,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 12 | $ 1,400,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 12 | $ 1,214,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 7 | $ 391,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 4 | $ 246,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 723,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 610,982,000 | 3 | $ 399,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 2 | $ 280,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 567,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 166,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 597,675,000 | 2 | $ 51,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 10,643,549,000 | 2 | $ 545,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 308,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 384,288,000 | 2 | $ 482,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 129,000 |
| Home Federal Bank 225 S. MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 1,170,034,000 | 1 | $ 267,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 47,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 100,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Farmers State Bank of Canton 220 E 5TH ST/ PO BOX178 CANTON, SD 57013 |
* | $ 48,625,000 | 1 | $ 38,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,888,081,000 | 1 | $ 53,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,200,081,000 | 1 | $ 175,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 86,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 69,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 727,923,000 | 1 | $ 124,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 175,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 77,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 72,000 |
| Security State Bank 221 MAIN ST CHANCELLOR, SD 57015 |
* | $ 152,811,000 | 1 | $ 146,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 84,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 161,000 |
The tables below break down 2016 mortgage applications in Marshall 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 Marshall County, SD in 2016
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 | 38 | $4,590,000 | $120,000 | $417,000 | $80,000 | $288,000 |
| Home Purchase | 35 | $4,468,000 | $127,000 | $430,000 | $65,000 | $214,000 |
| Home Improvement | 5 | $140,000 | $28,000 | $84,000 | $36,000 | $94,000 |
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 | 65 | $7,864,000 | $120,000 | $430,000 | $72,000 | $288,000 |
| Not Provided | 7 | $678,000 | $96,000 | $161,000 | $74,000 | $280,000 |
| Not applicable | 4 | $442,000 | $110,000 | $175,000 | $42,000 | $169,000 |
| American Indian or Alaskan Native | 1 | $84,000 | $84,000 | $84,000 | $0 | $0 |
| Asian | 1 | $130,000 | $130,000 | $130,000 | $100,000 | $100,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 61 | $7,498,000 | $122,000 | $430,000 | $77,000 | $288,000 |
| FHA-insured (Federal Housing Administration) | 10 | $983,000 | $98,000 | $195,000 | $44,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 5 | $472,000 | $94,000 | $129,000 | $42,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $245,000 | $122,000 | $152,000 | $46,000 | $55,000 |
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 | 49 | $6,047,000 | $123,000 | $417,000 | $77,000 | $288,000 |
| Application Denied By Financial Institution | 12 | $1,510,000 | $125,000 | $320,000 | $55,000 | $160,000 |
| Application Withdrawn By Applicant | 7 | $849,000 | $121,000 | $430,000 | $66,000 | $176,000 |
| File Closed For Incompleteness | 4 | $222,000 | $55,000 | $100,000 | $41,000 | $93,000 |
| Application Approved But Not Accepted | 3 | $256,000 | $85,000 | $124,000 | $83,000 | $173,000 |
| Loan Purchased By The Institution | 3 | $314,000 | $104,000 | $175,000 | $56,000 | $169,000 |
| 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 | 3 | $305,000 | $101,000 | $121,000 | $41,000 | $80,000 |
| Credit History | 2 | $166,000 | $83,000 | $129,000 | $18,000 | $36,000 |
| Debt-To-Income Ratio | 1 | $58,000 | $58,000 | $58,000 | $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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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