Perkins County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 30 mortgage applications in Perkins County, SD totaling $3.6 million, down 17% from 2024. The average application was for $118,000, and applicants reported an average income of $88,000. 47% of applications resulted in an originated loan and 13% were denied. The most active lender was Dacotah Bank, with 9 applications, followed by BMO Harris Bank NA and New American Funding, Llc..
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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 | 30 |
| Total Mortgage Loan Application Amount | $3,550,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $320,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 9 | $ 1,245,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 6 | $ 450,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 130,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 35,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 75,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 305,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 1 | $ 75,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 335,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 1 | $ 95,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 95,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2025 mortgage applications in Perkins 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 Perkins County, SD in 2025
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 | 18 | $2,550,000 | $141,000 | $335,000 | $94,000 | $320,000 |
| Cash-out Refinancing | 4 | $340,000 | $85,000 | $115,000 | $69,000 | $108,000 |
| Other Purpose | 4 | $230,000 | $57,000 | $125,000 | $83,000 | $192,000 |
| Refinancing | 2 | $240,000 | $120,000 | $155,000 | $129,000 | $129,000 |
| Home Improvement | 2 | $190,000 | $95,000 | $155,000 | $61,000 | $119,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 24 | $2,610,000 | $108,000 | $305,000 | $89,000 | $320,000 |
| Not Provided | 3 | $495,000 | $165,000 | $335,000 | $94,000 | $129,000 |
| Not applicable | 2 | $230,000 | $115,000 | $155,000 | $0 | $0 |
| Hispanic | 1 | $215,000 | $215,000 | $215,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 23 | $2,605,000 | $113,000 | $305,000 | $95,000 | $320,000 |
| FHA-insured (Federal Housing Administration) | 4 | $560,000 | $140,000 | $335,000 | $54,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 3 | $385,000 | $128,000 | $175,000 | $90,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 14 | $1,780,000 | $127,000 | $335,000 | $110,000 | $320,000 |
| Application Withdrawn By Applicant | 6 | $770,000 | $128,000 | $255,000 | $77,000 | $137,000 |
| Application Denied By Financial Institution | 4 | $230,000 | $57,000 | $145,000 | $43,000 | $68,000 |
| Application Approved But Not Accepted | 3 | $575,000 | $191,000 | $305,000 | $128,000 | $154,000 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $65,000 | $66,000 | $108,000 |
| Loan Purchased By The Institution | 1 | $75,000 | $75,000 | $75,000 | $38,000 | $38,000 |
| 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 | 26 | $3,320,000 | $127,000 | $335,000 | $96,000 | $320,000 |
| Collateral | 1 | $15,000 | $15,000 | $15,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $68,000 | $68,000 |
| Credit History | 1 | $145,000 | $145,000 | $145,000 | $52,000 | $52,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $4,000 | $4,000 |
| 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 |
| Other | 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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