Moody County, SD Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 165 mortgage applications in Moody County, SD totaling $17.9 million, down 29% from 2013. The average application was for $108,000, and applicants reported an average income of $59,000. 49% of applications resulted in an originated loan and 18% were denied. The most active lender was The First National Bank in Sioux Falls, with 44 applications, followed by Wells Fargo Bank NA and Home Federal 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 | 165 |
| Total Mortgage Loan Application Amount | $17,910,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $413,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $443,000 |
| 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 |
* | $ 1,045,519,000 | 44 | $ 3,448,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 24 | $ 2,214,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,251,718,000 | 18 | $ 2,336,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 10 | $ 969,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 208,945,000 | 5 | $ 400,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 783,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 515,115,000 | 5 | $ 897,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 4 | $ 574,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,804,174,000 | 3 | $ 613,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 3 | $ 743,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 3 | $ 238,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,011,858,000 | 3 | $ 246,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,375,260,000 | 2 | $ 127,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 127,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 2 | $ 291,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,269,540,000 | 2 | $ 362,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 425,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 160,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 104,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 50,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 40,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 277,561,000 | 1 | $ 313,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 40,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 53,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 126,511,000 | 1 | $ 70,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 72,381,000 | 1 | $ 123,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 200,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 135,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 492,215,000 | 1 | $ 1,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 1,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 281,036,000 | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 156,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 1 | $ 122,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 580,156,000 | 1 | $ 177,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 74,000 |
The tables below break down 2014 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 2014
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 | 67 | $9,094,000 | $135,000 | $396,000 | $63,000 | $228,000 |
| Refinancing | 65 | $7,503,000 | $115,000 | $413,000 | $56,000 | $443,000 |
| Home Improvement | 33 | $1,313,000 | $39,000 | $214,000 | $56,000 | $200,000 |
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 | 112 | $13,015,000 | $116,000 | $413,000 | $71,000 | $443,000 |
| Not applicable | 28 | $3,011,000 | $107,000 | $396,000 | $8,000 | $110,000 |
| Not Provided | 12 | $1,323,000 | $110,000 | $270,000 | $81,000 | $170,000 |
| American Indian or Alaskan Native | 7 | $191,000 | $27,000 | $103,000 | $52,000 | $69,000 |
| Asian | 3 | $184,000 | $61,000 | $96,000 | $62,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $186,000 | $62,000 | $103,000 | $33,000 | $53,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 116 | $11,881,000 | $102,000 | $396,000 | $67,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,859,000 | $103,000 | $156,000 | $31,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,277,000 | $142,000 | $413,000 | $52,000 | $443,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,893,000 | $126,000 | $313,000 | $39,000 | $104,000 |
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 | 81 | $9,538,000 | $117,000 | $413,000 | $73,000 | $443,000 |
| Loan Purchased By The Institution | 31 | $3,422,000 | $110,000 | $396,000 | $15,000 | $110,000 |
| Application Denied By Financial Institution | 29 | $2,831,000 | $97,000 | $348,000 | $64,000 | $170,000 |
| Application Withdrawn By Applicant | 20 | $1,989,000 | $99,000 | $270,000 | $68,000 | $181,000 |
| File Closed For Incompleteness | 2 | $80,000 | $40,000 | $40,000 | $32,000 | $43,000 |
| Application Approved But Not Accepted | 2 | $50,000 | $25,000 | $30,000 | $54,000 | $68,000 |
| 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 | 11 | $609,000 | $55,000 | $120,000 | $67,000 | $170,000 |
| Collateral | 8 | $1,477,000 | $184,000 | $348,000 | $78,000 | $101,000 |
| Debt-To-Income Ratio | 4 | $281,000 | $70,000 | $149,000 | $48,000 | $78,000 |
| Credit Application Incomplete | 3 | $110,000 | $36,000 | $96,000 | $40,000 | $65,000 |
| Other | 1 | $18,000 | $18,000 | $18,000 | $68,000 | $68,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $37,000 | $37,000 |
| 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 |
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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