Union County, SD Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 858 mortgage applications in Union County, SD totaling $178.0 million, up 16% from 2015. The average application was for $207,000, and applicants reported an average income of $131,000. 67% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 65 applications, followed by The Security National Bank of Sioux City, Iowa and Siouxland 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 858
Total Mortgage Loan Application Amount $177,988,000
Average Mortgage Loan Application Amount $207,000
Highest Mortgage Loan Application Amount $6,048,000
Average Applicant Income $131,000
Highest Applicant Income $4,337,000

Mortgage Company List for Lending in Union County, SD for 2016

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 65 $ 11,944,000
The Security National Bank of Sioux City, Iowa
601 PIERCE STREET
SIOUX CITY, IA 51101
* $ 946,593,000 55 $ 16,795,000
Siouxland Federal Credit Union
3000 PLAZA DRIVE
SO SIOUX CITY, NE 68776
* $ 166,781,000 49 $ 6,717,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ 10,000,000 47 $ 10,711,000
State Bank of Alcester
190 IOWA STREET PO BOX 168
ALCESTER, SD 57001
* $ 119,900,000 42 $ 5,176,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 1,293,340,000 37 $ 5,717,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 36 $ 5,887,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 29 $ 6,704,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 29 $ 6,889,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,397,488,000 28 $ 5,827,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 28 $ 5,325,000
Central Bank
600 LAKE AVENUE
STORM LAKE, IA 50588
* $ 703,748,000 26 $ 7,850,000
Liberty National Bank

SIOUX FALLS, SD 57106
* $ 332,965,000 26 $ 4,028,000
Primebank
37 1ST AVE NW
LE MARS, IA 51031
* $ 361,222,000 24 $ 4,882,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 1,421,072,000 23 $ 5,249,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 610,982,000 16 $ 2,844,000
Pioneer Bank
4700 SINGING HILLS BLVD.
SIOUX CITY, IA 51106
* $ 152,258,000 16 $ 9,903,000
Security National Bank of South Dakota
325 DAKOTA DUNES BLVD
DAKOTA DUNES, SD 57049
* $ 179,149,000 15 $ 1,957,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 11 $ 1,964,000
Iowa - Nebraska State Bank
2021 DAKOTA AVENUE
SOUTH SIOUX CITY, NE 68776
* $ 214,771,000 11 $ 1,834,000
Service First Federal Credit Union
3901 E 10TH STREET
SIOUX FALLS, SD 57103
* $ 140,360,000 11 $ 1,537,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 9,952,150,000 9 $ 7,813,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 8 $ 1,655,000
CU Mortgage Direct, LLC
5010 S. SOLBERG AVENUE
SIOUX FALLS, SD 57108
* $ 48,476,000 6 $ 1,131,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 6 $ 1,192,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,097,252,000 6 $ 1,046,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 6 $ 838,000
Midwest Family Lending Corp.
2753 99TH STREET
URBANDALE, IA 50322
* $ 10,000,000 6 $ 1,370,000
First Bank & Trust
110 N. MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 716,170,000 6 $ 1,381,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 435,793,000 5 $ 1,264,000
Peoples Bank
1230 VALLEY DRIVE
ROCK VALLEY, IA 51247
* $ 466,416,000 5 $ 643,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 5 $ 1,674,000
Kingsley State Bank
705 1ST ST PO BOX 66
SERGEANT BLUFF, IA 51054
* $ 185,296,000 4 $ 855,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 175,672,000 4 $ 461,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 4 $ 733,000
Levo Federal Credit Union
700 E 14TH STREET
SIOUX FALLS, SD 57106
* $ 240,250,000 4 $ 509,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 859,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ 10,000,000 4 $ 607,000
First Savings Bank
201 N 3RD ST
BERESFORD, SD 57004
* $ 597,675,000 4 $ 255,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 4 $ 410,000
Farm Credit Services of America, Flca
5015 S 118TH ST
OMAHA, NE 68137
* $ 10,000,000 4 $ 1,129,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 4 $ 632,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 1,547,327,000 3 $ 403,000
Telco Triad Community CU
1420 TRI VIEW AVE
SIOUX CITY, IA 51103
* $ 84,753,000 3 $ 101,000
First American Bank
1207 CENTRAL AVE
FORT DODGE, IA 50501
* $ 1,073,093,000 3 $ 327,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 848,094,000 3 $ 418,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 389,767,000 3 $ 488,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 128,000
Pinnacle Bank Sioux City
1901 MORNINGSIDE AVENUE
SIOUX CITY, IA 51106
* $ 75,457,000 3 $ 500,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 75,743,098,000 3 $ 598,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 18,260,025,000 2 $ 467,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 2 $ 541,000
Reliabank Dakota
211 N MAIN ST
ESTELLINE, SD 57234
* $ 304,199,000 2 $ 293,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 915,092,000 2 $ 60,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 2 $ 349,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 390,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 481,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 273,000
Home Federal Bank
225 S. MAIN AVE
SIOUX FALLS, SD 57104
* $ 1,170,034,000 2 $ 542,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 456,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 102,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 586,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 2 $ 439,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 216,360,000 2 $ 347,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 2 $ 220,000
Frontier Bank
301 1ST AVE
ROCK RAPIDS, IA 51246
* $ 195,550,000 1 $ 416,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,502,221,000 1 $ 205,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 2,227,404,000 1 $ 10,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 232,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 1 $ 147,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 1 $ 150,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 1 $ 291,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 202,000
Siouxland National Bank
1001 W 29TH ST
SOUTH SIOUX CITY, NE 68776
* $ 50,511,000 1 $ 143,000
American Bank, National Association
234 5TH AVE SW
LE MARS, IA 51031
* $ 296,734,000 1 $ 40,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,949,868,000 1 $ 200,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ 10,000,000 1 $ 234,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ 2,304,353,000 1 $ 147,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 101,000
Premier Lending Alliance
8831THOMAS AVE. SUITE 100
JOHNSTON, IA 50131
* $ 100,000,000 1 $ 166,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 190,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 1 $ 143,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 120,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 200,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 325,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 120,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 118,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 92,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 72,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 185,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 8,699,182,000 1 $ 48,000
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 1 $ 190,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 239,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 50,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ 10,000,000 1 $ 190,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 261,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 1 $ 110,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 4,302,336,000 1 $ 208,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 3,351,909,000 1 $ 171,000
Community Bank
1121 SOUTH G AV ENUE
NEVADA, IA 50201
* $ 192,777,000 1 $ 426,000
Premier Bank
1004 21ST AVENUE
ROCK VALLEY, IA 51247
* $ 335,377,000 1 $ 650,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 1,738,618,000 1 $ 275,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 9,622,999,000 1 $ 1,000
Sioux Empire
5010 S SOLBERG AVE
SIOUX FALLS, SD 57108
* $ 97,571,000 1 $ 130,000
Voyage Federal Credit Union
3823 KIWANIS CIR
SIOUX FALLS, SD 57105
* $ 83,027,000 1 $ 101,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 1 $ 28,000

The tables below break down 2016 mortgage applications in Union 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 Union County, SD in 2016

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 416 $94,694,000 $227,000 $6,048,000 $129,000 $4,337,000
Refinancing 353 $75,027,000 $212,000 $3,446,000 $136,000 $1,283,000
Home Improvement 89 $8,267,000 $92,000 $550,000 $121,000 $645,000

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 734 $145,219,000 $197,000 $1,600,000 $141,000 $4,337,000
Not applicable 49 $18,396,000 $375,000 $6,048,000 $13,000 $163,000
Not Provided 34 $6,251,000 $183,000 $455,000 $98,000 $287,000
Hispanic 20 $3,371,000 $168,000 $417,000 $88,000 $225,000
Asian 7 $2,196,000 $313,000 $527,000 $169,000 $520,000
Black or African American 6 $1,631,000 $271,000 $400,000 $162,000 $401,000
Native Hawaiin or Other Pacific Islander 4 $538,000 $134,000 $206,000 $162,000 $360,000
American Indian or Alaskan Native 4 $386,000 $96,000 $148,000 $114,000 $182,000

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) 690 $148,158,000 $214,000 $6,048,000 $147,000 $4,337,000
FHA-insured (Federal Housing Administration) 79 $13,234,000 $167,000 $276,000 $61,000 $147,000
VA-guaranteed (Veterans Administration) 54 $11,811,000 $218,000 $623,000 $75,000 $432,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 35 $4,785,000 $136,000 $288,000 $57,000 $524,000

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 575 $128,648,000 $223,000 $6,048,000 $144,000 $4,337,000
Application Denied By Financial Institution 141 $20,841,000 $147,000 $455,000 $102,000 $1,383,000
Loan Purchased By The Institution 50 $8,734,000 $174,000 $416,000 $33,000 $163,000
Application Withdrawn By Applicant 45 $10,154,000 $225,000 $1,200,000 $147,000 $796,000
Application Approved But Not Accepted 35 $7,767,000 $221,000 $1,350,000 $172,000 $1,082,000
File Closed For Incompleteness 12 $1,844,000 $153,000 $269,000 $82,000 $442,000
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
Credit History 28 $2,461,000 $87,000 $265,000 $88,000 $258,000
Credit Application Incomplete 19 $2,945,000 $155,000 $431,000 $119,000 $432,000
Collateral 16 $3,021,000 $188,000 $455,000 $86,000 $159,000
Debt-To-Income Ratio 12 $2,232,000 $186,000 $332,000 $81,000 $149,000
Employment History 2 $50,000 $25,000 $40,000 $42,000 $54,000
Other 2 $367,000 $183,000 $353,000 $151,000 $231,000
Insufficient Cash (Downpayment, Closing Cost) 1 $266,000 $266,000 $266,000 $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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