Spink County, SD Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 110 mortgage applications in Spink County, SD totaling $21.8 million, up 38% from 2016. The average application was for $198,000, and applicants reported an average income of $80,000. 49% of applications resulted in an originated loan and 18% were denied. The most active lender was Plains Commerce Bank, with 30 applications, followed by Great Western Bank and Wells Fargo Bank NA.
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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 | 110 |
| Total Mortgage Loan Application Amount | $21,827,000 |
| Average Mortgage Loan Application Amount | $198,000 |
| Highest Mortgage Loan Application Amount | $8,785,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,490,000 |
| 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 |
* | $ 629,000,000 | 30 | $ 3,844,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,418,149,000 | 9 | $ 1,031,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 7 | $ 676,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 650,765,000 | 7 | $ 604,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 700,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 5 | $ 281,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 4 | $ 505,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 4 | $ 329,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,288,868,000 | 3 | $ 460,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 820,967,000 | 3 | $ 498,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 198,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 206,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 157,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 212,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 86,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 280,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 2 | $ 77,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 1 | $ 282,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 75,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 150,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 172,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 153,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 72,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 151,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 102,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 74,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,157,709,000 | 1 | $ 8,785,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 162,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 424,000 |
The tables below break down 2017 mortgage applications in Spink 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 Spink 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 | 53 | $7,227,000 | $136,000 | $424,000 | $64,000 | $216,000 |
| Refinancing | 43 | $13,460,000 | $313,000 | $8,785,000 | $94,000 | $1,490,000 |
| Home Improvement | 14 | $1,140,000 | $81,000 | $224,000 | $98,000 | $419,000 |
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 | 93 | $19,523,000 | $209,000 | $8,785,000 | $87,000 | $1,490,000 |
| Not applicable | 13 | $1,793,000 | $137,000 | $424,000 | $30,000 | $216,000 |
| Not Provided | 2 | $187,000 | $93,000 | $136,000 | $43,000 | $44,000 |
| Hispanic | 1 | $95,000 | $95,000 | $95,000 | $112,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $229,000 | $229,000 | $229,000 | $128,000 | $128,000 |
| 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) | 66 | $16,488,000 | $249,000 | $8,785,000 | $98,000 | $1,490,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,141,000 | $125,000 | $229,000 | $54,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,492,000 | $106,000 | $162,000 | $39,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,706,000 | $131,000 | $275,000 | $65,000 | $127,000 |
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 | 54 | $15,383,000 | $284,000 | $8,785,000 | $102,000 | $1,490,000 |
| Application Denied By Financial Institution | 20 | $1,999,000 | $99,000 | $229,000 | $63,000 | $128,000 |
| Loan Purchased By The Institution | 15 | $2,150,000 | $143,000 | $424,000 | $37,000 | $216,000 |
| Application Withdrawn By Applicant | 10 | $1,316,000 | $131,000 | $241,000 | $56,000 | $143,000 |
| Application Approved But Not Accepted | 9 | $897,000 | $99,000 | $150,000 | $91,000 | $419,000 |
| File Closed For Incompleteness | 2 | $82,000 | $41,000 | $70,000 | $50,000 | $54,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $103,000 | $34,000 | $81,000 | $57,000 | $107,000 |
| Collateral | 1 | $49,000 | $49,000 | $49,000 | $28,000 | $28,000 |
| Credit Application Incomplete | 1 | $72,000 | $72,000 | $72,000 | $127,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $229,000 | $229,000 | $229,000 | $128,000 | $128,000 |
| Other | 1 | $127,000 | $127,000 | $127,000 | $109,000 | $109,000 |
| Unverifiable Information | 1 | $43,000 | $43,000 | $43,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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