Sanborn County, SD Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 49 mortgage applications in Sanborn County, SD totaling $5.6 million, up 40% from 2018. The average application was for $114,000, and applicants reported an average income of $66,000. 61% of applications resulted in an originated loan and 18% were denied. The most active lender was Plains Commerce Bank, with 6 applications, followed by First National Bank of Omaha and US Bank, N.A..
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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 | 49 |
| Total Mortgage Loan Application Amount | $5,625,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $203,000 |
| 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 |
* | $ 656,158,000 | 6 | $ 930,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 5 | $ 245,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 4 | $ 430,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 3 | $ 265,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 3 | $ 385,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 907,505,000 | 3 | $ 285,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 2 | $ 110,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,050,339,000 | 2 | $ 90,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 871,942,000 | 2 | $ 30,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 2 | $ 70,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 520,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 170,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 405,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 1 | $ 115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 135,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 1 | $ 5,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 275,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 95,000 |
| Sofi Mortgage, LLC 6175 MAIN STREET, SUITE 490 FRISCO, TX 75034 |
* | $ -1,000 | 1 | $ 275,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2019 mortgage applications in Sanborn 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 Sanborn County, SD in 2019
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 | 19 | $2,515,000 | $132,000 | $405,000 | $70,000 | $203,000 |
| Refinancing | 11 | $1,325,000 | $120,000 | $255,000 | $58,000 | $167,000 |
| Cash-out Refinancing | 10 | $1,320,000 | $132,000 | $275,000 | $70,000 | $158,000 |
| Home Improvement | 5 | $285,000 | $57,000 | $145,000 | $75,000 | $105,000 |
| Other Purpose | 4 | $180,000 | $45,000 | $105,000 | $43,000 | $56,000 |
| 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 | 40 | $4,060,000 | $101,000 | $315,000 | $66,000 | $203,000 |
| Not Provided | 5 | $725,000 | $145,000 | $405,000 | $66,000 | $163,000 |
| Not applicable | 3 | $795,000 | $265,000 | $315,000 | $52,000 | $104,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $74,000 | $74,000 |
| 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) | 38 | $4,210,000 | $110,000 | $405,000 | $71,000 | $203,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,055,000 | $150,000 | $255,000 | $49,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $360,000 | $90,000 | $115,000 | $41,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 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 | 30 | $3,470,000 | $115,000 | $405,000 | $76,000 | $203,000 |
| Application Denied By Financial Institution | 9 | $745,000 | $82,000 | $145,000 | $45,000 | $70,000 |
| Application Withdrawn By Applicant | 5 | $455,000 | $91,000 | $135,000 | $46,000 | $63,000 |
| Loan Purchased By The Institution | 4 | $910,000 | $227,000 | $315,000 | $59,000 | $104,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $74,000 | $74,000 |
| Application Approved But Not Accepted | 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 | 35 | $4,075,000 | $116,000 | $405,000 | $73,000 | $203,000 |
| Debt-To-Income Ratio | 7 | $915,000 | $130,000 | $315,000 | $49,000 | $123,000 |
| Other | 2 | $280,000 | $140,000 | $145,000 | $48,000 | $57,000 |
| Collateral | 2 | $170,000 | $85,000 | $135,000 | $53,000 | $56,000 |
| Credit History | 2 | $50,000 | $25,000 | $35,000 | $49,000 | $70,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 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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