Moody County, SD Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 306 mortgage applications in Moody County, SD totaling $58.6 million, up 56% from 2019. The average application was for $191,000, and applicants reported an average income of $100,000. 64% of applications resulted in an originated loan and 9% were denied. The most active lender was Plains Commerce Bank, with 39 applications, followed by Great Western Bank 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 | 306 |
| Total Mortgage Loan Application Amount | $58,610,000 |
| Average Mortgage Loan Application Amount | $191,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $576,000 |
* 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 |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 39 | $ 8,775,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 28 | $ 4,030,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 25 | $ 5,305,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,339,634,000 | 24 | $ 4,780,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,041,578,000 | 18 | $ 3,190,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 15 | $ 2,335,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 10 | $ 1,490,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 9 | $ 1,785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 9 | $ 785,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,515,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 7 | $ 1,355,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 7 | $ 2,455,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 471,230,000 | 6 | $ 1,260,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 1,024,331,000 | 6 | $ 1,350,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 6 | $ 1,160,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 306,222,000 | 5 | $ 1,415,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 450,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 540,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 3 | $ 955,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 545,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 755,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 3 | $ 685,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 645,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 165,244,000 | 3 | $ 615,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 865,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 370,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 290,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 560,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 360,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 2 | $ 450,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 180,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 2 | $ 270,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 510,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 820,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 165,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 95,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 155,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 105,516,000 | 1 | $ 35,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,776,882,000 | 1 | $ 395,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 195,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 1 | $ 105,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 869,677,000 | 1 | $ 65,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 369,032,000 | 1 | $ 325,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 125,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 1 | $ 205,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 325,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 25,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,418,352,000 | 1 | $ 225,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 929,943,000 | 1 | $ 155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 125,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 1 | $ 345,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 948,382,000 | 1 | $ 75,000 |
The tables below break down 2020 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 2020
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 | 125 | $23,835,000 | $190,000 | $765,000 | $103,000 | $576,000 |
| Home Purchase | 85 | $18,995,000 | $223,000 | $505,000 | $104,000 | $573,000 |
| Cash-out Refinancing | 73 | $14,385,000 | $197,000 | $485,000 | $94,000 | $220,000 |
| Home Improvement | 13 | $665,000 | $51,000 | $125,000 | $85,000 | $182,000 |
| Not Applicable | 6 | $310,000 | $51,000 | $75,000 | $0 | $0 |
| Other Purpose | 4 | $420,000 | $105,000 | $205,000 | $111,000 | $220,000 |
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 | 249 | $48,225,000 | $193,000 | $765,000 | $105,000 | $576,000 |
| Not applicable | 23 | $3,755,000 | $163,000 | $505,000 | $93,000 | $182,000 |
| Not Provided | 19 | $3,105,000 | $163,000 | $505,000 | $83,000 | $175,000 |
| American Indian or Alaskan Native | 12 | $3,150,000 | $262,000 | $455,000 | $52,000 | $148,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Black or African American | 1 | $155,000 | $155,000 | $155,000 | $110,000 | $110,000 |
| Hispanic | 1 | $165,000 | $165,000 | $165,000 | $69,000 | $69,000 |
| 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) | 235 | $45,365,000 | $193,000 | $765,000 | $104,000 | $573,000 |
| FHA-insured (Federal Housing Administration) | 36 | $6,400,000 | $177,000 | $455,000 | $54,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 28 | $6,200,000 | $221,000 | $505,000 | $145,000 | $576,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $645,000 | $92,000 | $155,000 | $52,000 | $72,000 |
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 | 196 | $39,500,000 | $201,000 | $765,000 | $99,000 | $492,000 |
| Application Withdrawn By Applicant | 37 | $7,175,000 | $193,000 | $505,000 | $99,000 | $573,000 |
| Loan Purchased By The Institution | 34 | $6,770,000 | $199,000 | $505,000 | $107,000 | $182,000 |
| Application Denied By Financial Institution | 28 | $3,470,000 | $123,000 | $425,000 | $90,000 | $288,000 |
| File Closed For Incompleteness | 10 | $1,540,000 | $154,000 | $275,000 | $89,000 | $112,000 |
| Application Approved But Not Accepted | 1 | $155,000 | $155,000 | $155,000 | $576,000 | $576,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 272 | $53,870,000 | $198,000 | $765,000 | $102,000 | $576,000 |
| Debt-To-Income Ratio | 14 | $2,040,000 | $145,000 | $325,000 | $73,000 | $115,000 |
| Credit History | 10 | $1,240,000 | $124,000 | $425,000 | $94,000 | $202,000 |
| Collateral | 6 | $750,000 | $125,000 | $235,000 | $94,000 | $288,000 |
| Other | 3 | $645,000 | $215,000 | $325,000 | $141,000 | $216,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $67,000 | $67,000 |
| Unverifiable Information | 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 |
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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