Mellette County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 15 mortgage applications in Mellette County, SD totaling $7.6 million, up 67% from 2015. The average application was for $508,000, and applicants reported an average income of $195,000. 47% of applications resulted in an originated loan and 27% were denied. The most active lender was Bankwest, Inc., with 3 applications, followed by Security First Bank and Wells Fargo Bank NA.
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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 | 15 |
| Total Mortgage Loan Application Amount | $7,625,000 |
| Average Mortgage Loan Application Amount | $508,000 |
| Highest Mortgage Loan Application Amount | $6,447,000 |
| Average Applicant Income | $195,000 |
| Highest Applicant Income | $2,261,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 3 | $ 392,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 891,231,000 | 2 | $ 6,554,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 106,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 2 | $ 147,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 161,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 848,094,000 | 1 | $ 62,000 |
| Dakota Plains Federal Credit Union 519 MAIN AVE LEMMON, SD 57638 |
* | $ 51,358,000 | 1 | $ 67,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 60,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,073,687,000 | 1 | $ 76,000 |
The tables below break down 2016 mortgage applications in Mellette 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 Mellette 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 11 | $982,000 | $89,000 | $160,000 | $45,000 | $144,000 |
| Refinancing | 4 | $6,643,000 | $1,660,000 | $6,447,000 | $605,000 | $2,261,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 8 | $6,939,000 | $867,000 | $6,447,000 | $321,000 | $2,261,000 |
| White | 5 | $381,000 | $76,000 | $87,000 | $41,000 | $74,000 |
| Not applicable | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Not Provided | 1 | $160,000 | $160,000 | $160,000 | $144,000 | $144,000 |
| 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 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) | 11 | $7,339,000 | $667,000 | $6,447,000 | $256,000 | $2,261,000 |
| FHA-insured (Federal Housing Administration) | 2 | $147,000 | $73,000 | $83,000 | $32,000 | $34,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $62,000 | $62,000 | $62,000 | $31,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 1 | $77,000 | $77,000 | $77,000 | $8,000 | $8,000 |
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 | 7 | $633,000 | $90,000 | $145,000 | $46,000 | $86,000 |
| Application Denied By Financial Institution | 4 | $6,646,000 | $1,661,000 | $6,447,000 | $585,000 | $2,261,000 |
| Application Approved But Not Accepted | 2 | $243,000 | $121,000 | $160,000 | $89,000 | $144,000 |
| Application Withdrawn By Applicant | 1 | $29,000 | $29,000 | $29,000 | $34,000 | $34,000 |
| File Closed For Incompleteness | 1 | $74,000 | $74,000 | $74,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $62,000 | $62,000 | $62,000 | $31,000 | $31,000 |
| Debt-To-Income Ratio | 1 | $77,000 | $77,000 | $77,000 | $8,000 | $8,000 |
| 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 |
| Collateral | 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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