Stanley County, SD Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 92 mortgage applications in Stanley County, SD totaling $22.4 million, up 7% from 2023. The average application was for $243,000, and applicants reported an average income of $137,000. 49% of applications resulted in an originated loan and 11% were denied. The most active lender was Bankwest, Inc., with 35 applications, followed by First National Bank and First Dakota National Bak.
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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 | 92 |
| Total Mortgage Loan Application Amount | $22,440,000 |
| Average Mortgage Loan Application Amount | $243,000 |
| Highest Mortgage Loan Application Amount | $1,245,000 |
| Average Applicant Income | $137,000 |
| Highest Applicant Income | $567,000 |
| 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 | $ 6,925,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 7 | $ 1,365,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 5 | $ 935,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 1,535,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 1,850,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 4 | $ 370,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 705,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 3 | $ 535,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 560,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 1,430,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 190,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 490,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 85,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 75,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 275,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 395,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 205,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 415,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 195,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 1,235,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 395,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 265,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 185,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 255,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 115,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 1 | $ 755,000 |
The tables below break down 2024 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 2024
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 | $16,385,000 | $287,000 | $1,245,000 | $139,000 | $476,000 |
| Cash-out Refinancing | 13 | $3,305,000 | $254,000 | $485,000 | $173,000 | $567,000 |
| Refinancing | 12 | $1,860,000 | $155,000 | $245,000 | $93,000 | $178,000 |
| Home Improvement | 6 | $600,000 | $100,000 | $305,000 | $156,000 | $359,000 |
| Other Purpose | 4 | $290,000 | $72,000 | $85,000 | $76,000 | $100,000 |
| 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 | 68 | $15,920,000 | $234,000 | $1,245,000 | $145,000 | $567,000 |
| Not applicable | 14 | $4,920,000 | $351,000 | $1,235,000 | $0 | $0 |
| Not Provided | 4 | $370,000 | $92,000 | $125,000 | $85,000 | $178,000 |
| American Indian or Alaskan Native | 4 | $710,000 | $177,000 | $395,000 | $80,000 | $120,000 |
| Hispanic | 2 | $520,000 | $260,000 | $275,000 | $76,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 77 | $18,375,000 | $238,000 | $1,245,000 | $142,000 | $567,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,755,000 | $250,000 | $275,000 | $123,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,035,000 | $290,000 | $395,000 | $94,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $275,000 | $275,000 | $275,000 | $102,000 | $102,000 |
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 | 45 | $11,295,000 | $251,000 | $1,245,000 | $166,000 | $567,000 |
| Loan Purchased By The Institution | 18 | $6,510,000 | $361,000 | $1,235,000 | $143,000 | $325,000 |
| Application Withdrawn By Applicant | 14 | $2,800,000 | $200,000 | $755,000 | $106,000 | $239,000 |
| Application Denied By Financial Institution | 10 | $1,410,000 | $141,000 | $425,000 | $85,000 | $227,000 |
| Application Approved But Not Accepted | 3 | $325,000 | $108,000 | $145,000 | $81,000 | $100,000 |
| File Closed For Incompleteness | 2 | $100,000 | $50,000 | $55,000 | $84,000 | $120,000 |
| 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 | 82 | $21,030,000 | $256,000 | $1,245,000 | $145,000 | $567,000 |
| Credit History | 3 | $305,000 | $101,000 | $145,000 | $77,000 | $122,000 |
| Debt-To-Income Ratio | 3 | $365,000 | $121,000 | $255,000 | $40,000 | $72,000 |
| Collateral | 2 | $240,000 | $120,000 | $155,000 | $109,000 | $120,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $61,000 | $61,000 |
| Unverifiable Information | 1 | $425,000 | $425,000 | $425,000 | $227,000 | $227,000 |
| 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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