McCook County, SD Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 258 mortgage applications in McCook County, SD totaling $47.2 million, down 18% from 2021. The average application was for $182,000, and applicants reported an average income of $88,000. 60% of applications resulted in an originated loan and 10% were denied. The most active lender was Plains Commerce Bank, with 44 applications, followed by First Premier Bank and First Dakota National Bak.
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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 | 258 |
| Total Mortgage Loan Application Amount | $47,200,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $520,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 44 | $ 8,590,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,889,083,000 | 20 | $ 3,190,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 2,449,188,000 | 16 | $ 2,240,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,200,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 7 | $ 1,145,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 735,374,000 | 7 | $ 2,565,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 7 | $ 1,055,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 7 | $ 1,545,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 6 | $ 1,240,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 434,021,000 | 6 | $ 810,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 1,175,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,502,665,000 | 5 | $ 795,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 545,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 217,942,000 | 5 | $ 1,255,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 1,045,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 5 | $ 525,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 4 | $ 540,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 550,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,952,365,000 | 4 | $ 900,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 4 | $ 1,320,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 1,319,953,000 | 4 | $ 480,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 1,580,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 172,517,000 | 3 | $ 705,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 525,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 3 | $ 935,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 467,757,000 | 3 | $ 235,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 495,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 2 | $ 580,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 570,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 490,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 580,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 2 | $ 150,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 70,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 340,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,383,892,000 | 2 | $ 530,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 330,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 270,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 2 | $ 430,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 250,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 490,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 150,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 85,000 |
| Security National Bank of Sd 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 248,058,000 | 1 | $ 25,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 185,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 4,059,403,000 | 1 | $ 265,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,852,003,000 | 1 | $ 265,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 285,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 5,652,968,000 | 1 | $ 395,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 25,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 1 | $ 105,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 305,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 339,245,000 | 1 | $ 25,000 |
| One American Bank 515 S MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 345,640,000 | 1 | $ 95,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 165,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 175,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 25,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,760,455,000 | 1 | $ 165,000 |
| Bluestone Federal Credit Union 5010 S SOLBERG AVE SIOUX FALLS, SD 57109 |
* | $ 177,429,000 | 1 | $ 35,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 185,000 |
The tables below break down 2022 mortgage applications in McCook 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 McCook County, SD 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 | 129 | $26,225,000 | $203,000 | $1,125,000 | $76,000 | $339,000 |
| Cash-out Refinancing | 54 | $10,130,000 | $187,000 | $515,000 | $88,000 | $520,000 |
| Refinancing | 34 | $6,590,000 | $193,000 | $505,000 | $100,000 | $317,000 |
| Home Improvement | 26 | $2,130,000 | $81,000 | $585,000 | $113,000 | $250,000 |
| Other Purpose | 15 | $2,125,000 | $141,000 | $525,000 | $111,000 | $279,000 |
| 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 | 196 | $33,960,000 | $173,000 | $605,000 | $90,000 | $520,000 |
| Not applicable | 29 | $7,875,000 | $271,000 | $1,125,000 | $116,000 | $339,000 |
| Not Provided | 23 | $3,335,000 | $145,000 | $335,000 | $74,000 | $175,000 |
| Black or African American | 4 | $860,000 | $215,000 | $285,000 | $78,000 | $89,000 |
| Hispanic | 4 | $570,000 | $142,000 | $225,000 | $61,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 193 | $35,795,000 | $185,000 | $1,125,000 | $96,000 | $520,000 |
| FHA-insured (Federal Housing Administration) | 37 | $6,205,000 | $167,000 | $345,000 | $61,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,940,000 | $197,000 | $355,000 | $77,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,260,000 | $157,000 | $185,000 | $57,000 | $74,000 |
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 | 154 | $28,290,000 | $183,000 | $1,125,000 | $92,000 | $339,000 |
| Application Withdrawn By Applicant | 37 | $7,165,000 | $193,000 | $505,000 | $81,000 | $317,000 |
| Loan Purchased By The Institution | 33 | $7,665,000 | $232,000 | $605,000 | $92,000 | $339,000 |
| Application Denied By Financial Institution | 27 | $2,805,000 | $103,000 | $215,000 | $80,000 | $520,000 |
| File Closed For Incompleteness | 5 | $555,000 | $111,000 | $305,000 | $58,000 | $140,000 |
| Application Approved But Not Accepted | 2 | $720,000 | $360,000 | $405,000 | $113,000 | $113,000 |
| 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 | 223 | $42,435,000 | $190,000 | $1,125,000 | $88,000 | $339,000 |
| Debt-To-Income Ratio | 16 | $3,000,000 | $187,000 | $515,000 | $96,000 | $206,000 |
| Credit History | 9 | $785,000 | $87,000 | $155,000 | $120,000 | $520,000 |
| Collateral | 7 | $685,000 | $97,000 | $185,000 | $48,000 | $79,000 |
| Other | 2 | $210,000 | $105,000 | $155,000 | $126,000 | $196,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $12,000 | $12,000 |
| 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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