Perkins County, SD Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 39 mortgage applications in Perkins County, SD totaling $5.9 million, down 15% from 2016. The average application was for $151,000, and applicants reported an average income of $67,000. 56% of applications resulted in an originated loan and 28% were denied. The most active lender was Dacotah Bank, with 18 applications, followed by Bank of the West and Dakota Plains Federal Credit Union.
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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 | 39 |
| Total Mortgage Loan Application Amount | $5,895,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $913,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $383,000 |
| 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 |
* | $ 2,288,868,000 | 18 | $ 4,128,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 3 | $ 163,000 |
| Dakota Plains Federal Credit Union 519 MAIN AVE LEMMON, SD 57638 |
* | $ 52,226,000 | 3 | $ 210,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 2 | $ 308,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 143,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 82,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 80,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 102,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 926,222,000 | 1 | $ 32,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 82,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,870,076,000 | 1 | $ 71,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 101,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,136,408,000 | 1 | $ 80,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 74,000 |
The tables below break down 2017 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 2017
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 | 22 | $2,162,000 | $98,000 | $298,000 | $55,000 | $130,000 |
| Refinancing | 13 | $3,709,000 | $285,000 | $913,000 | $96,000 | $383,000 |
| Home Improvement | 4 | $24,000 | $6,000 | $15,000 | $42,000 | $79,000 |
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 | 34 | $5,066,000 | $149,000 | $913,000 | $72,000 | $383,000 |
| Not applicable | 2 | $531,000 | $265,000 | $449,000 | $0 | $0 |
| Not Provided | 2 | $258,000 | $129,000 | $157,000 | $52,000 | $105,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $93,000 | $93,000 |
| 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) | 30 | $5,043,000 | $168,000 | $913,000 | $75,000 | $383,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $477,000 | $95,000 | $121,000 | $37,000 | $53,000 |
| FHA-insured (Federal Housing Administration) | 3 | $331,000 | $110,000 | $149,000 | $56,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 1 | $44,000 | $44,000 | $44,000 | $35,000 | $35,000 |
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 | 22 | $4,603,000 | $209,000 | $913,000 | $89,000 | $383,000 |
| Application Denied By Financial Institution | 11 | $732,000 | $66,000 | $250,000 | $40,000 | $93,000 |
| Application Withdrawn By Applicant | 3 | $360,000 | $120,000 | $157,000 | $51,000 | $105,000 |
| File Closed For Incompleteness | 1 | $74,000 | $74,000 | $74,000 | $47,000 | $47,000 |
| Application Approved But Not Accepted | 1 | $44,000 | $44,000 | $44,000 | $35,000 | $35,000 |
| Loan Purchased By The Institution | 1 | $82,000 | $82,000 | $82,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $253,000 | $63,000 | $95,000 | $24,000 | $35,000 |
| Collateral | 3 | $333,000 | $111,000 | $250,000 | $59,000 | $83,000 |
| Credit History | 2 | $74,000 | $37,000 | $71,000 | $39,000 | $79,000 |
| Credit Application Incomplete | 1 | $32,000 | $32,000 | $32,000 | $0 | $0 |
| Other | 1 | $40,000 | $40,000 | $40,000 | $93,000 | $93,000 |
| 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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