Moody County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 188 mortgage applications in Moody County, SD totaling $26.5 million, down 8% from 2015. The average application was for $141,000, and applicants reported an average income of $68,000. 58% of applications resulted in an originated loan and 14% were denied. The most active lender was The First National Bank in Sioux Falls, with 29 applications, followed by Plains Commerce 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 | 188 |
| Total Mortgage Loan Application Amount | $26,513,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $1,640,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $302,000 |
| 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 |
* | $ 1,136,579,000 | 29 | $ 2,026,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 610,982,000 | 23 | $ 3,671,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 19 | $ 2,344,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 13 | $ 1,594,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 240,250,000 | 8 | $ 1,727,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,547,327,000 | 6 | $ 2,036,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 1,269,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 5 | $ 750,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,293,340,000 | 5 | $ 758,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 679,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 699,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 524,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 4 | $ 479,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 332,965,000 | 4 | $ 625,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 4 | $ 632,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 3 | $ 261,000 |
| Home Federal Bank 225 S. MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 1,170,034,000 | 3 | $ 428,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ 114,930,000 | 3 | $ 275,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 371,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 80,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 176,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 597,675,000 | 2 | $ 304,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 2 | $ 265,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 242,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 716,170,000 | 1 | $ 174,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 1 | $ 92,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 214,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 60,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 2,959,506,000 | 1 | $ 304,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 122,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 166,835,000 | 1 | $ 217,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 123,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,073,687,000 | 1 | $ 137,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 304,199,000 | 1 | $ 201,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 288,000 |
| Forethought Life Insurance Co 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ 100,000,000 | 1 | $ 74,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 217,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 35,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 51,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 230,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 217,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 142,000 |
The tables below break down 2016 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 84 | $13,971,000 | $166,000 | $1,640,000 | $71,000 | $302,000 |
| Home Purchase | 75 | $11,048,000 | $147,000 | $476,000 | $67,000 | $269,000 |
| Home Improvement | 29 | $1,494,000 | $51,000 | $215,000 | $63,000 | $143,000 |
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 | 138 | $18,007,000 | $130,000 | $476,000 | $78,000 | $302,000 |
| Not applicable | 26 | $6,040,000 | $232,000 | $1,640,000 | $16,000 | $90,000 |
| American Indian or Alaskan Native | 10 | $912,000 | $91,000 | $190,000 | $72,000 | $110,000 |
| Not Provided | 9 | $763,000 | $84,000 | $219,000 | $56,000 | $108,000 |
| Hispanic | 4 | $738,000 | $184,000 | $288,000 | $98,000 | $149,000 |
| Asian | 1 | $53,000 | $53,000 | $53,000 | $42,000 | $42,000 |
| Black or African American | 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) | 130 | $18,600,000 | $143,000 | $1,640,000 | $76,000 | $302,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,554,000 | $131,000 | $276,000 | $49,000 | $269,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,877,000 | $117,000 | $190,000 | $40,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,482,000 | $165,000 | $263,000 | $60,000 | $142,000 |
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 | 109 | $16,071,000 | $147,000 | $1,640,000 | $78,000 | $302,000 |
| Loan Purchased By The Institution | 30 | $5,386,000 | $179,000 | $417,000 | $47,000 | $187,000 |
| Application Denied By Financial Institution | 26 | $2,341,000 | $90,000 | $228,000 | $48,000 | $117,000 |
| Application Withdrawn By Applicant | 19 | $2,282,000 | $120,000 | $240,000 | $71,000 | $269,000 |
| Application Approved But Not Accepted | 3 | $345,000 | $115,000 | $214,000 | $83,000 | $116,000 |
| File Closed For Incompleteness | 1 | $88,000 | $88,000 | $88,000 | $29,000 | $29,000 |
| 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 | 5 | $140,000 | $28,000 | $60,000 | $45,000 | $56,000 |
| Collateral | 4 | $555,000 | $138,000 | $228,000 | $75,000 | $117,000 |
| Credit Application Incomplete | 2 | $201,000 | $100,000 | $146,000 | $21,000 | $43,000 |
| Debt-To-Income Ratio | 1 | $8,000 | $8,000 | $8,000 | $111,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $177,000 | $177,000 | $177,000 | $0 | $0 |
| Other | 1 | $179,000 | $179,000 | $179,000 | $112,000 | $112,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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