Marshall County, SD Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 83 mortgage applications in Marshall County, SD totaling $12.6 million, up 6% from 2016. The average application was for $151,000, and applicants reported an average income of $70,000. 55% of applications resulted in an originated loan and 22% were denied. The most active lender was CU Mortgage Direct, LLC, with 15 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 | 83 |
| Total Mortgage Loan Application Amount | $12,607,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $587,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $582,000 |
| 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 |
* | $ -1,000 | 15 | $ 2,001,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 9 | $ 1,133,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,288,868,000 | 7 | $ 1,209,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,418,149,000 | 5 | $ 888,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 629,000,000 | 4 | $ 473,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 4 | $ 971,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 3 | $ 276,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 130,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 261,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 432,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 761,459,000 | 2 | $ 320,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 191,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 926,222,000 | 2 | $ 250,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,200,877,000 | 2 | $ 592,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 4,202,354,000 | 1 | $ 100,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 132,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 61,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 93,524,000 | 1 | $ 201,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 81,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 71,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 152,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 706,240,000 | 1 | $ 44,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 820,967,000 | 1 | $ 63,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 1 | $ 169,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 275,000 |
The tables below break down 2017 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 2017
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 | 42 | $6,200,000 | $147,000 | $424,000 | $70,000 | $582,000 |
| Refinancing | 36 | $6,089,000 | $169,000 | $587,000 | $69,000 | $171,000 |
| Home Improvement | 5 | $318,000 | $63,000 | $150,000 | $82,000 | $148,000 |
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 | 66 | $9,465,000 | $143,000 | $587,000 | $77,000 | $582,000 |
| Not applicable | 8 | $1,533,000 | $191,000 | $424,000 | $0 | $0 |
| Not Provided | 8 | $1,546,000 | $193,000 | $538,000 | $72,000 | $171,000 |
| American Indian or Alaskan Native | 1 | $63,000 | $63,000 | $63,000 | $168,000 | $168,000 |
| 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) | 53 | $9,309,000 | $175,000 | $587,000 | $79,000 | $582,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,930,000 | $128,000 | $275,000 | $64,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $693,000 | $86,000 | $152,000 | $26,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 7 | $675,000 | $96,000 | $169,000 | $66,000 | $131,000 |
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 | 46 | $6,756,000 | $146,000 | $587,000 | $79,000 | $582,000 |
| Application Denied By Financial Institution | 18 | $2,698,000 | $149,000 | $520,000 | $79,000 | $171,000 |
| Loan Purchased By The Institution | 9 | $1,652,000 | $183,000 | $424,000 | $14,000 | $81,000 |
| Application Approved But Not Accepted | 5 | $361,000 | $72,000 | $190,000 | $43,000 | $74,000 |
| Application Withdrawn By Applicant | 3 | $401,000 | $133,000 | $268,000 | $77,000 | $132,000 |
| File Closed For Incompleteness | 2 | $739,000 | $369,000 | $538,000 | $105,000 | $122,000 |
| 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 | 4 | $856,000 | $214,000 | $520,000 | $127,000 | $171,000 |
| Debt-To-Income Ratio | 2 | $449,000 | $224,000 | $240,000 | $95,000 | $96,000 |
| Other | 1 | $150,000 | $150,000 | $150,000 | $50,000 | $50,000 |
| Credit History | 1 | $150,000 | $150,000 | $150,000 | $50,000 | $50,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
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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