Roberts County, SD Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 143 mortgage applications in Roberts County, SD totaling $18.4 million, up 23% from 2017. The average application was for $128,000, and applicants reported an average income of $336,000. 59% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 33 applications, followed by Dacotah Bank and Click N' Close, Inc..
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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 | 143 |
| Total Mortgage Loan Application Amount | $18,395,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $336,000 |
| Highest Applicant Income | $3,567,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 33 | $ 3,755,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,396,553,000 | 21 | $ 2,575,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 15 | $ 1,925,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 10 | $ 1,460,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 9 | $ 1,305,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 1,809,405,000 | 6 | $ 720,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 917,193,000 | 3 | $ 365,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 515,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 260,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 400,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 2 | $ 250,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 460,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 95,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 225,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 15,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 145,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,086,583,000 | 1 | $ 105,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 5,405,278,000 | 1 | $ 55,000 |
| Community Development Bank, FSB 516 MAIN ST OGEMA, MN 56569 |
* | $ 171,990,000 | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 65,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 156,639,000 | 1 | $ 105,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 235,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 1 | $ 155,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 225,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 184,266,000 | 1 | $ 85,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 85,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,064,412,000 | 1 | $ 85,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 145,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 838,911,000 | 1 | $ 185,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,915,259,000 | 1 | $ 135,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 618,980,000 | 1 | $ 105,000 |
The tables below break down 2018 mortgage applications in Roberts 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 Roberts 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 | 68 | $8,090,000 | $118,000 | $385,000 | $85,000 | $280,000 |
| Refinancing | 31 | $4,855,000 | $156,000 | $385,000 | $1,235,000 | $3,567,000 |
| Cash-out Refinancing | 25 | $3,285,000 | $131,000 | $225,000 | $58,000 | $160,000 |
| Home Improvement | 9 | $705,000 | $78,000 | $155,000 | $61,000 | $86,000 |
| Other Purpose | 8 | $1,290,000 | $161,000 | $425,000 | $125,000 | $504,000 |
| Not Applicable | 2 | $170,000 | $85,000 | $115,000 | $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 | 100 | $12,540,000 | $125,000 | $425,000 | $82,000 | $504,000 |
| American Indian or Alaskan Native | 27 | $3,155,000 | $116,000 | $245,000 | $1,356,000 | $3,567,000 |
| Not applicable | 10 | $1,680,000 | $168,000 | $375,000 | $73,000 | $132,000 |
| Not Provided | 6 | $1,020,000 | $170,000 | $325,000 | $72,000 | $167,000 |
| 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) | 92 | $12,500,000 | $135,000 | $425,000 | $90,000 | $504,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,690,000 | $115,000 | $245,000 | $1,268,000 | $3,567,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,480,000 | $148,000 | $225,000 | $37,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $725,000 | $80,000 | $135,000 | $35,000 | $64,000 |
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 | 84 | $10,720,000 | $127,000 | $425,000 | $512,000 | $3,567,000 |
| Application Denied By Financial Institution | 27 | $3,265,000 | $120,000 | $325,000 | $46,000 | $105,000 |
| Application Withdrawn By Applicant | 14 | $1,710,000 | $122,000 | $245,000 | $84,000 | $160,000 |
| Loan Purchased By The Institution | 13 | $2,015,000 | $155,000 | $385,000 | $97,000 | $280,000 |
| Application Approved But Not Accepted | 3 | $465,000 | $155,000 | $275,000 | $68,000 | $79,000 |
| File Closed For Incompleteness | 2 | $220,000 | $110,000 | $175,000 | $63,000 | $86,000 |
| 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 | 116 | $15,130,000 | $130,000 | $425,000 | $409,000 | $3,567,000 |
| Credit History | 9 | $745,000 | $82,000 | $165,000 | $35,000 | $59,000 |
| Collateral | 8 | $920,000 | $115,000 | $185,000 | $58,000 | $105,000 |
| Debt-To-Income Ratio | 7 | $905,000 | $129,000 | $205,000 | $29,000 | $54,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $59,000 | $59,000 |
| Other | 1 | $325,000 | $325,000 | $325,000 | $87,000 | $87,000 |
| Unverifiable Information | 1 | $215,000 | $215,000 | $215,000 | $104,000 | $104,000 |
| 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 |
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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