Marshall County, SD Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 64 mortgage applications in Marshall County, SD totaling $8.4 million, down 20% from 2018. The average application was for $131,000, and applicants reported an average income of $88,000. 58% of applications resulted in an originated loan and 20% were denied. The most active lender was CU Mortgage Direct, LLC, with 16 applications, followed by Wells Fargo Bank NA and Great Western 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 | 64 |
| Total Mortgage Loan Application Amount | $8,400,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $675,000 |
| 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 | 16 | $ 1,710,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 7 | $ 1,145,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 5 | $ 955,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 4 | $ 550,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 445,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,567,120,000 | 3 | $ 295,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 180,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 370,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 360,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 784,398,000 | 2 | $ 230,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 125,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 85,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 165,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 325,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 75,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 145,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 1 | $ 125,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,761,153,000 | 1 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 65,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 825,691,000 | 1 | $ 115,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,987,488,000 | 1 | $ 35,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 144,960,000 | 1 | $ 155,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 871,942,000 | 1 | $ 15,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 45,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 391,851,000 | 1 | $ 155,000 |
The tables below break down 2019 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 2019
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 | 27 | $3,525,000 | $130,000 | $295,000 | $89,000 | $675,000 |
| Refinancing | 15 | $1,915,000 | $127,000 | $235,000 | $87,000 | $310,000 |
| Cash-out Refinancing | 11 | $1,865,000 | $169,000 | $325,000 | $75,000 | $189,000 |
| Other Purpose | 6 | $820,000 | $136,000 | $245,000 | $85,000 | $115,000 |
| Home Improvement | 5 | $275,000 | $55,000 | $105,000 | $117,000 | $265,000 |
| Not Applicable | 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 | 61 | $8,065,000 | $132,000 | $325,000 | $86,000 | $675,000 |
| Not Provided | 2 | $210,000 | $105,000 | $165,000 | $142,000 | $265,000 |
| Not applicable | 1 | $125,000 | $125,000 | $125,000 | $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) | 50 | $6,870,000 | $137,000 | $305,000 | $97,000 | $675,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $565,000 | $80,000 | $155,000 | $47,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 4 | $430,000 | $107,000 | $125,000 | $57,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 3 | $535,000 | $178,000 | $325,000 | $79,000 | $108,000 |
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 | 37 | $4,555,000 | $123,000 | $305,000 | $95,000 | $675,000 |
| Application Denied By Financial Institution | 13 | $2,055,000 | $158,000 | $325,000 | $78,000 | $145,000 |
| Application Withdrawn By Applicant | 8 | $1,130,000 | $141,000 | $245,000 | $73,000 | $155,000 |
| Loan Purchased By The Institution | 3 | $495,000 | $165,000 | $215,000 | $183,000 | $310,000 |
| Application Approved But Not Accepted | 2 | $130,000 | $65,000 | $75,000 | $25,000 | $37,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $73,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 51 | $6,345,000 | $124,000 | $305,000 | $91,000 | $675,000 |
| Debt-To-Income Ratio | 5 | $555,000 | $111,000 | $165,000 | $63,000 | $145,000 |
| Collateral | 4 | $980,000 | $245,000 | $325,000 | $111,000 | $115,000 |
| Credit History | 2 | $420,000 | $210,000 | $275,000 | $99,000 | $144,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $52,000 | $52,000 |
| 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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