Stanley County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 96 mortgage applications in Stanley County, SD totaling $20.0 million, up 4% from 2024. The average application was for $208,000, and applicants reported an average income of $115,000. 44% of applications resulted in an originated loan and 16% were denied. The most active lender was Bankwest, Inc., with 35 applications, followed by Black Hills Federal Credit Union and American Bank & Trust.
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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 | 96 |
| Total Mortgage Loan Application Amount | $19,990,000 |
| Average Mortgage Loan Application Amount | $208,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $115,000 |
| Highest Applicant Income | $620,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 35 | $ 5,605,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 8 | $ 1,890,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 6 | $ 1,720,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 2,225,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 4 | $ 730,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 565,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 715,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 875,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 3 | $ 645,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 335,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 3 | $ 545,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 280,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 2 | $ 820,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 290,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 365,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 1 | $ 325,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 285,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 265,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 65,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 245,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 405,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 25,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 1 | $ 265,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 265,000 |
The tables below break down 2025 mortgage applications in Stanley 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 Stanley County, SD in 2025
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 | 57 | $12,055,000 | $211,000 | $675,000 | $91,000 | $262,000 |
| Cash-out Refinancing | 20 | $4,550,000 | $227,000 | $805,000 | $140,000 | $272,000 |
| Refinancing | 9 | $2,315,000 | $257,000 | $555,000 | $261,000 | $620,000 |
| Other Purpose | 6 | $740,000 | $123,000 | $345,000 | $112,000 | $252,000 |
| Home Improvement | 4 | $330,000 | $82,000 | $175,000 | $95,000 | $115,000 |
| 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 | 71 | $14,275,000 | $201,000 | $675,000 | $111,000 | $620,000 |
| Not applicable | 11 | $2,135,000 | $194,000 | $365,000 | $121,000 | $121,000 |
| Not Provided | 6 | $1,240,000 | $206,000 | $555,000 | $146,000 | $404,000 |
| Hispanic | 5 | $1,615,000 | $323,000 | $805,000 | $180,000 | $232,000 |
| American Indian or Alaskan Native | 3 | $725,000 | $241,000 | $395,000 | $63,000 | $83,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 68 | $12,410,000 | $182,000 | $675,000 | $120,000 | $620,000 |
| FHA-insured (Federal Housing Administration) | 15 | $3,355,000 | $223,000 | $395,000 | $86,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 12 | $4,070,000 | $339,000 | $805,000 | $122,000 | $232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $155,000 | $155,000 | $155,000 | $53,000 | $53,000 |
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 | 42 | $8,600,000 | $204,000 | $675,000 | $129,000 | $620,000 |
| Application Withdrawn By Applicant | 17 | $4,085,000 | $240,000 | $465,000 | $110,000 | $232,000 |
| Application Denied By Financial Institution | 15 | $2,545,000 | $169,000 | $425,000 | $90,000 | $207,000 |
| Loan Purchased By The Institution | 11 | $2,555,000 | $232,000 | $385,000 | $118,000 | $121,000 |
| File Closed For Incompleteness | 8 | $1,580,000 | $197,000 | $805,000 | $107,000 | $232,000 |
| Application Approved But Not Accepted | 3 | $625,000 | $208,000 | $395,000 | $114,000 | $127,000 |
| 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 | 80 | $17,180,000 | $214,000 | $805,000 | $113,000 | $404,000 |
| Credit History | 7 | $1,475,000 | $210,000 | $425,000 | $109,000 | $185,000 |
| Debt-To-Income Ratio | 4 | $730,000 | $182,000 | $265,000 | $220,000 | $620,000 |
| Other | 2 | $260,000 | $130,000 | $135,000 | $40,000 | $80,000 |
| Collateral | 1 | $205,000 | $205,000 | $205,000 | $207,000 | $207,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $48,000 | $48,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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