Sully County, SD Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 51 mortgage applications in Sully County, SD totaling $19.5 million, up 38% from 2014. The average application was for $382,000, and applicants reported an average income of $118,000. 53% of applications resulted in an originated loan and 20% were denied. The most active lender was Bankwest, Inc., with 24 applications, followed by First Dakota National Bak and Black Hills Federal Credit Union.
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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 | 51 |
| Total Mortgage Loan Application Amount | $19,507,000 |
| Average Mortgage Loan Application Amount | $382,000 |
| Highest Mortgage Loan Application Amount | $4,900,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $1,463,000 |
| 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 |
* | $ 889,163,000 | 24 | $ 3,233,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,104,082,000 | 3 | $ 13,100,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,017,998,000 | 3 | $ 505,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 277,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 2 | $ 238,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 190,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 80,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 186,200,000 | 1 | $ 130,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 121,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 60,000 |
| Firstier Bank 115 S WALNUT STREET, PO BOX 730 KIMBALL, NE 69145 |
* | $ 235,524,000 | 1 | $ 78,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 212,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 261,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 138,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,722,553,000 | 1 | $ 81,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 283,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 793,515,000 | 1 | $ 37,000 |
| Highmark Federal Credit Union 725 5TH STREET RAPID CITY, SD 57701 |
* | $ 107,000,000 | 1 | $ 138,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 92,000 |
The tables below break down 2015 mortgage applications in Sully 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 Sully County, SD in 2015
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 | 27 | $3,926,000 | $145,000 | $384,000 | $117,000 | $1,463,000 |
| Refinancing | 20 | $15,257,000 | $762,000 | $4,900,000 | $116,000 | $1,078,000 |
| Home Improvement | 4 | $324,000 | $81,000 | $151,000 | $137,000 | $349,000 |
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 | 39 | $8,552,000 | $219,000 | $3,300,000 | $110,000 | $1,078,000 |
| Not applicable | 6 | $10,172,000 | $1,695,000 | $4,900,000 | $0 | $0 |
| Not Provided | 3 | $401,000 | $133,000 | $166,000 | $514,000 | $1,463,000 |
| American Indian or Alaskan Native | 1 | $261,000 | $261,000 | $261,000 | $122,000 | $122,000 |
| Asian | 1 | $62,000 | $62,000 | $62,000 | $30,000 | $30,000 |
| Hispanic | 1 | $59,000 | $59,000 | $59,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 32 | $17,004,000 | $531,000 | $4,900,000 | $159,000 | $1,463,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,252,000 | $125,000 | $219,000 | $38,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 5 | $803,000 | $160,000 | $283,000 | $58,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 4 | $448,000 | $112,000 | $261,000 | $68,000 | $122,000 |
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 | 27 | $16,497,000 | $611,000 | $4,900,000 | $196,000 | $1,463,000 |
| Application Denied By Financial Institution | 10 | $1,162,000 | $116,000 | $219,000 | $49,000 | $95,000 |
| Application Withdrawn By Applicant | 10 | $1,356,000 | $135,000 | $270,000 | $21,000 | $82,000 |
| Loan Purchased By The Institution | 3 | $302,000 | $100,000 | $176,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $190,000 | $190,000 | $190,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $152,000 | $76,000 | $92,000 | $14,000 | $20,000 |
| Collateral | 2 | $210,000 | $105,000 | $130,000 | $77,000 | $78,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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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