Mellette County, SD Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 10 mortgage applications in Mellette County, SD totaling $1.1 million, down 33% from 2016. The average application was for $113,000, and applicants reported an average income of $59,000. 50% of applications resulted in an originated loan and 30% were denied. The most active lender was USAA Federal Savings Bank, with 2 applications, followed by Click N' Close, Inc. and Franklin American Mortgage Company.
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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 | 10 |
| Total Mortgage Loan Application Amount | $1,136,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $270,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $157,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 273,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 67,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 132,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,509,567,000 | 1 | $ 132,000 |
| Dakota Plains Federal Credit Union 519 MAIN AVE LEMMON, SD 57638 |
* | $ 52,226,000 | 1 | $ 69,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,620,732,000 | 1 | $ 76,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 1 | $ 52,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,480,298,000 | 1 | $ 270,000 |
The tables below break down 2017 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 5 | $547,000 | $109,000 | $270,000 | $60,000 | $157,000 |
| Home Purchase | 4 | $439,000 | $109,000 | $132,000 | $54,000 | $126,000 |
| Home Improvement | 1 | $150,000 | $150,000 | $150,000 | $72,000 | $72,000 |
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 | 4 | $325,000 | $81,000 | $132,000 | $68,000 | $126,000 |
| Not applicable | 2 | $402,000 | $201,000 | $270,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $136,000 | $68,000 | $69,000 | $78,000 | $157,000 |
| Black or African American | 1 | $150,000 | $150,000 | $150,000 | $72,000 | $72,000 |
| Not Provided | 1 | $123,000 | $123,000 | $123,000 | $91,000 | $91,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 5 | $559,000 | $111,000 | $150,000 | $90,000 | $157,000 |
| FHA-insured (Federal Housing Administration) | 2 | $132,000 | $66,000 | $67,000 | $25,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $322,000 | $161,000 | $270,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 1 | $123,000 | $123,000 | $123,000 | $91,000 | $91,000 |
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 | 5 | $668,000 | $133,000 | $270,000 | $62,000 | $126,000 |
| Application Denied By Financial Institution | 3 | $284,000 | $94,000 | $150,000 | $93,000 | $157,000 |
| Application Withdrawn By Applicant | 1 | $52,000 | $52,000 | $52,000 | $0 | $0 |
| Loan Purchased By The Institution | 1 | $132,000 | $132,000 | $132,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 1 | $65,000 | $65,000 | $65,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $150,000 | $150,000 | $150,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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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