Spink County, SD Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 185 mortgage applications in Spink County, SD totaling $28.5 million, up 78% from 2019. The average application was for $154,000, and applicants reported an average income of $100,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Plains Commerce Bank, with 29 applications, followed by Wells Fargo Bank NA and Bank of the West.
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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 | 185 |
| Total Mortgage Loan Application Amount | $28,505,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $498,000 |
| 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 |
* | $ 707,275,000 | 29 | $ 4,645,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 23 | $ 3,085,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 19 | $ 2,915,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 14 | $ 1,380,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 11 | $ 725,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 10 | $ 1,760,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 8 | $ 2,310,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,330,030,000 | 6 | $ 1,650,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 5 | $ 695,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 4 | $ 220,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 795,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 3 | $ 315,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 385,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 595,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 1,024,331,000 | 3 | $ 315,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 3 | $ 425,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 2 | $ 530,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 2 | $ 290,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 560,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,041,578,000 | 2 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 340,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,418,352,000 | 2 | $ 750,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 390,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 250,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 285,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 225,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 235,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 165,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 155,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 115,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 195,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 85,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 1 | $ 75,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 1,233,944,000 | 1 | $ 25,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 265,000 |
The tables below break down 2020 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 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 78 | $15,140,000 | $194,000 | $695,000 | $118,000 | $498,000 |
| Home Purchase | 66 | $7,910,000 | $119,000 | $385,000 | $84,000 | $407,000 |
| Cash-out Refinancing | 27 | $4,485,000 | $166,000 | $405,000 | $108,000 | $397,000 |
| Home Improvement | 9 | $395,000 | $43,000 | $105,000 | $88,000 | $206,000 |
| Other Purpose | 5 | $575,000 | $115,000 | $295,000 | $59,000 | $98,000 |
| 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 | 155 | $24,975,000 | $161,000 | $695,000 | $104,000 | $498,000 |
| Not Provided | 20 | $2,270,000 | $113,000 | $355,000 | $78,000 | $240,000 |
| Not applicable | 9 | $1,215,000 | $135,000 | $245,000 | $50,000 | $50,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $53,000 | $53,000 |
| 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) | 157 | $24,635,000 | $156,000 | $695,000 | $107,000 | $498,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,280,000 | $190,000 | $355,000 | $50,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $765,000 | $85,000 | $165,000 | $49,000 | $94,000 |
| FHA-insured (Federal Housing Administration) | 7 | $825,000 | $117,000 | $235,000 | $57,000 | $80,000 |
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 | 99 | $15,825,000 | $159,000 | $405,000 | $110,000 | $498,000 |
| Application Denied By Financial Institution | 37 | $4,645,000 | $125,000 | $695,000 | $81,000 | $407,000 |
| Application Withdrawn By Applicant | 30 | $4,810,000 | $160,000 | $375,000 | $91,000 | $253,000 |
| Loan Purchased By The Institution | 14 | $2,320,000 | $165,000 | $365,000 | $81,000 | $141,000 |
| File Closed For Incompleteness | 4 | $610,000 | $152,000 | $265,000 | $91,000 | $133,000 |
| Application Approved But Not Accepted | 1 | $295,000 | $295,000 | $295,000 | $243,000 | $243,000 |
| 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 | 138 | $22,100,000 | $160,000 | $405,000 | $104,000 | $498,000 |
| Debt-To-Income Ratio | 29 | $4,695,000 | $161,000 | $695,000 | $86,000 | $365,000 |
| Other | 5 | $305,000 | $61,000 | $135,000 | $75,000 | $107,000 |
| Credit History | 5 | $735,000 | $147,000 | $355,000 | $45,000 | $52,000 |
| Collateral | 4 | $310,000 | $77,000 | $135,000 | $145,000 | $407,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $195,000 | $55,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $110,000 | $55,000 | $85,000 | $160,000 | $285,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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