Moody County, SD Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 315 mortgage applications in Moody County, SD totaling $32.8 million, up 22% from 2011. The average application was for $104,000, and applicants reported an average income of $74,000. 57% of applications resulted in an originated loan and 18% were denied. The most active lender was The First National Bank in Sioux Falls, with 80 applications, followed by Home Federal 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 | 315 |
| Total Mortgage Loan Application Amount | $32,819,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $536,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $2,340,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,054,086,000 | 80 | $ 7,679,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,224,205,000 | 37 | $ 3,564,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 31 | $ 2,871,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 847,317,000 | 23 | $ 1,613,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 414,758,000 | 17 | $ 2,266,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 15 | $ 1,633,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 10 | $ 1,036,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,119,448,000 | 7 | $ 734,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 163,392,000 | 6 | $ 1,065,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 6 | $ 934,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 830,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 5 | $ 342,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 5 | $ 550,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 4 | $ 486,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 4 | $ 763,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,358,284,000 | 4 | $ 593,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 4 | $ 563,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 846,417,000 | 4 | $ 494,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 436,593,000 | 3 | $ 317,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 121,154,000 | 3 | $ 336,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 449,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 3 | $ 232,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 318,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 3 | $ 332,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 308,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 231,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,481,611,000 | 2 | $ 34,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 177,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 213,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,902,620,000 | 2 | $ 115,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 435,944,000 | 2 | $ 86,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 91,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 72,848,000 | 1 | $ 165,000 |
| Security National Bank of South Dakota 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 145,315,000 | 1 | $ 142,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 417,673,000 | 1 | $ 70,000 |
| Minnwest Mortgage Corporation 5324 EAST ARROWHEAD PKY, SUITE 102 SIOUX FALLS, SD 57110 |
* | $ 1,665,359,000 | 1 | $ 187,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 67,157,000 | 1 | $ 74,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 152,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 163,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 144,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 142,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 129,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 1 | $ 75,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ 87,357,000 | 1 | $ 78,000 |
The tables below break down 2012 mortgage applications in Moody 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 Moody County, SD in 2012
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 | 186 | $20,991,000 | $112,000 | $417,000 | $71,000 | $1,365,000 |
| Home Purchase | 88 | $9,663,000 | $109,000 | $536,000 | $85,000 | $2,340,000 |
| Home Improvement | 41 | $2,165,000 | $52,000 | $510,000 | $62,000 | $296,000 |
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 | 237 | $26,357,000 | $111,000 | $536,000 | $80,000 | $2,340,000 |
| American Indian or Alaskan Native | 28 | $1,317,000 | $47,000 | $183,000 | $45,000 | $145,000 |
| Not applicable | 25 | $3,117,000 | $124,000 | $258,000 | $7,000 | $85,000 |
| Not Provided | 15 | $1,462,000 | $97,000 | $192,000 | $147,000 | $1,365,000 |
| Asian | 4 | $160,000 | $40,000 | $67,000 | $34,000 | $54,000 |
| Hispanic | 4 | $246,000 | $61,000 | $106,000 | $62,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $120,000 | $44,000 | $60,000 |
| Black or African American | 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) | 256 | $26,456,000 | $103,000 | $536,000 | $81,000 | $2,340,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,600,000 | $100,000 | $183,000 | $38,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,302,000 | $100,000 | $153,000 | $42,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,461,000 | $146,000 | $262,000 | $56,000 | $101,000 |
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 | 179 | $18,547,000 | $103,000 | $359,000 | $69,000 | $438,000 |
| Application Denied By Financial Institution | 57 | $4,766,000 | $83,000 | $324,000 | $81,000 | $1,365,000 |
| Loan Purchased By The Institution | 36 | $4,410,000 | $122,000 | $262,000 | $17,000 | $85,000 |
| Application Withdrawn By Applicant | 28 | $2,644,000 | $94,000 | $225,000 | $140,000 | $2,340,000 |
| Application Approved But Not Accepted | 9 | $1,840,000 | $204,000 | $536,000 | $161,000 | $586,000 |
| File Closed For Incompleteness | 6 | $612,000 | $102,000 | $159,000 | $55,000 | $84,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 28 | $2,238,000 | $79,000 | $143,000 | $55,000 | $133,000 |
| Debt-To-Income Ratio | 11 | $679,000 | $61,000 | $142,000 | $39,000 | $62,000 |
| Collateral | 7 | $1,043,000 | $149,000 | $324,000 | $259,000 | $1,365,000 |
| Other | 4 | $159,000 | $39,000 | $65,000 | $63,000 | $137,000 |
| Credit Application Incomplete | 1 | $98,000 | $98,000 | $98,000 | $49,000 | $49,000 |
| Employment History | 1 | $142,000 | $142,000 | $142,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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