Moody County, SD Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 183 mortgage applications in Moody County, SD totaling $24.5 million, up 20% from 2017. The average application was for $133,000, and applicants reported an average income of $80,000. 59% of applications resulted in an originated loan and 14% were denied. The most active lender was Great Western Bank, with 20 applications, followed by The First National Bank in Sioux Falls and First Bank & Trust.
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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 | 183 |
| Total Mortgage Loan Application Amount | $24,475,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $268,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 20 | $ 2,020,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,127,705,000 | 19 | $ 2,165,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 1,809,405,000 | 18 | $ 2,530,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 11 | $ 1,455,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 915,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,686,532,000 | 6 | $ 510,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 917,193,000 | 6 | $ 1,020,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 6 | $ 280,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 5 | $ 1,215,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 905,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 1,015,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 4 | $ 700,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 420,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 156,639,000 | 3 | $ 285,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 3 | $ 475,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 505,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 268,838,000 | 3 | $ 455,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,086,583,000 | 3 | $ 275,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 470,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 250,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,396,553,000 | 2 | $ 400,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 120,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 130,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 315,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 155,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,223,009,000 | 1 | $ 165,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 355,470,000 | 1 | $ 55,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 125,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 213,933,000 | 1 | $ 365,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 75,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 75,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,384,000 | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 75,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 215,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 85,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 115,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 708,948,000 | 1 | $ 115,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 435,000 |
| First Farmers & Merchants Bank 123 SOUTH FOURTH STREET CANNON FALLS, MN 55009 |
* | $ 297,892,000 | 1 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 105,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 235,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 412,119,000 | 1 | $ 105,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 94,733,000 | 1 | $ 25,000 |
The tables below break down 2018 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 2018
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 | 83 | $13,755,000 | $165,000 | $435,000 | $78,000 | $207,000 |
| Cash-out Refinancing | 42 | $6,000,000 | $142,000 | $425,000 | $70,000 | $163,000 |
| Refinancing | 32 | $3,440,000 | $107,000 | $405,000 | $98,000 | $268,000 |
| Home Improvement | 16 | $690,000 | $43,000 | $105,000 | $86,000 | $216,000 |
| Not Applicable | 6 | $330,000 | $55,000 | $215,000 | $0 | $0 |
| Other Purpose | 4 | $260,000 | $65,000 | $115,000 | $67,000 | $98,000 |
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 | 145 | $20,065,000 | $138,000 | $435,000 | $83,000 | $268,000 |
| Not Provided | 17 | $2,115,000 | $124,000 | $245,000 | $60,000 | $99,000 |
| Not applicable | 11 | $1,105,000 | $100,000 | $235,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $1,085,000 | $120,000 | $215,000 | $71,000 | $87,000 |
| 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 Hawaiian 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) | 135 | $17,655,000 | $130,000 | $435,000 | $85,000 | $268,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,705,000 | $117,000 | $245,000 | $57,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,345,000 | $176,000 | $355,000 | $76,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $770,000 | $128,000 | $175,000 | $59,000 | $68,000 |
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 | 108 | $13,900,000 | $128,000 | $405,000 | $84,000 | $268,000 |
| Application Withdrawn By Applicant | 26 | $4,230,000 | $162,000 | $425,000 | $81,000 | $163,000 |
| Application Denied By Financial Institution | 25 | $2,365,000 | $94,000 | $365,000 | $59,000 | $104,000 |
| Loan Purchased By The Institution | 22 | $3,520,000 | $160,000 | $325,000 | $83,000 | $133,000 |
| Application Approved But Not Accepted | 2 | $460,000 | $230,000 | $435,000 | $154,000 | $189,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 155 | $21,805,000 | $140,000 | $435,000 | $84,000 | $268,000 |
| Credit History | 7 | $705,000 | $100,000 | $365,000 | $69,000 | $104,000 |
| Debt-To-Income Ratio | 7 | $815,000 | $116,000 | $195,000 | $68,000 | $123,000 |
| Collateral | 6 | $640,000 | $106,000 | $195,000 | $52,000 | $77,000 |
| Other | 4 | $280,000 | $70,000 | $105,000 | $64,000 | $96,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $105,000 | $57,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $35,000 | $35,000 |
| Employment History | 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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