Todd County, SD Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 17 mortgage applications in Todd County, SD totaling $1.4 million, down 35% from 2018. The average application was for $82,000, and applicants reported an average income of $79,000. 35% of applications resulted in an originated loan and 41% were denied. The most active lender was 21st Mortgage, with 3 applications, followed by Bankwest, Inc. 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 | 17 |
| Total Mortgage Loan Application Amount | $1,395,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $246,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 195,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,050,339,000 | 2 | $ 50,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 2 | $ 90,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 983,125,000 | 1 | $ 35,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 405,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 25,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,766,499,000 | 1 | $ 145,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 95,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 45,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 115,000 |
The tables below break down 2019 mortgage applications in Todd 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 Todd County, SD in 2019
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 | 10 | $720,000 | $72,000 | $145,000 | $91,000 | $246,000 |
| Cash-out Refinancing | 2 | $450,000 | $225,000 | $405,000 | $22,000 | $22,000 |
| Home Improvement | 2 | $30,000 | $15,000 | $25,000 | $28,000 | $48,000 |
| Other Purpose | 2 | $100,000 | $50,000 | $55,000 | $50,000 | $84,000 |
| Refinancing | 1 | $95,000 | $95,000 | $95,000 | $180,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 10 | $490,000 | $49,000 | $125,000 | $50,000 | $99,000 |
| White | 3 | $305,000 | $101,000 | $145,000 | $109,000 | $243,000 |
| Not Provided | 2 | $140,000 | $70,000 | $95,000 | $213,000 | $246,000 |
| Not applicable | 1 | $405,000 | $405,000 | $405,000 | $0 | $0 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $17,000 | $17,000 |
| 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) | 11 | $685,000 | $62,000 | $145,000 | $95,000 | $246,000 |
| FHA-insured (Federal Housing Administration) | 3 | $195,000 | $65,000 | $95,000 | $57,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 3 | $515,000 | $171,000 | $405,000 | $26,000 | $31,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 7 | $225,000 | $32,000 | $55,000 | $38,000 | $84,000 |
| Loan Originated | 6 | $540,000 | $90,000 | $145,000 | $119,000 | $246,000 |
| Application Withdrawn By Applicant | 2 | $180,000 | $90,000 | $115,000 | $137,000 | $243,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $22,000 | $22,000 |
| Loan Purchased By The Institution | 1 | $405,000 | $405,000 | $405,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 9 | $1,135,000 | $126,000 | $405,000 | $119,000 | $246,000 |
| Credit History | 3 | $95,000 | $31,000 | $45,000 | $39,000 | $48,000 |
| Collateral | 2 | $60,000 | $30,000 | $55,000 | $13,000 | $17,000 |
| Credit Application Incomplete | 2 | $70,000 | $35,000 | $45,000 | $60,000 | $84,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $56,000 | $56,000 |
| 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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