Union County, SD Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,336 mortgage applications in Union County, SD totaling $309.8 million, up 59% from 2019. The average application was for $231,000, and applicants reported an average income of $142,000. 68% of applications resulted in an originated loan and 10% were denied. The most active lender was Central Bank, with 116 applications, followed by Citizens Bank, NA and Northwest Bank.

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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 1,336
Total Mortgage Loan Application Amount $309,770,000
Average Mortgage Loan Application Amount $231,000
Highest Mortgage Loan Application Amount $1,705,000
Average Applicant Income $142,000
Highest Applicant Income $3,683,000

Mortgage Company List for Lending in Union County, SD for 2020

* 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
Central Bank
600 LAKE AVENUE
STORM LAKE, IA 50588
* $ 929,943,000 116 $ 35,270,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 79 $ 18,555,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 1,688,814,000 77 $ 21,875,000
The Security National Bank of Sioux City, Iowa
601 PIERCE STREET
SIOUX CITY, IA 51101
* $ 1,035,984,000 75 $ 20,705,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 62 $ 12,280,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 61 $ 14,075,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 60 $ 15,840,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 1,776,882,000 59 $ 11,085,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 51 $ 14,355,000
Siouxland Federal Credit Union
3000 PLAZA DRIVE
SO SIOUX CITY, NE 68776
* $ 195,132,000 51 $ 8,535,000
Primebank
37 1ST AVE NW
LE MARS, IA 51031
* $ 499,559,000 40 $ 10,310,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 33 $ 8,705,000
CU Mortgage Direct, LLC
5010 S. SOLBERG AVENUE
SIOUX FALLS, SD 57108
* $ -1,000 27 $ 4,665,000
Liberty National Bank

SIOUX FALLS, SD 57106
* $ 437,989,000 23 $ 4,985,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 403,053,000 20 $ 3,990,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 19 $ 5,035,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 3,965,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 2,041,578,000 17 $ 2,545,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 16 $ 3,600,000
Premier Bank
1004 21ST AVENUE
ROCK VALLEY, IA 51247
* $ 564,246,000 15 $ 1,845,000
Levo Federal Credit Union
700 E 14TH STREET
SIOUX FALLS, SD 57106
* $ 306,222,000 14 $ 2,460,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 14 $ 1,940,000
First Bank & Trust
110 N. MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 1,024,331,000 11 $ 2,315,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 2,265,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 1,330,030,000 11 $ 1,685,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ -1,000 11 $ 2,525,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 12,848,070,000 11 $ 2,125,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 2,250,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,014,991,000 10 $ 1,590,000
Bankfirst
920 S 13TH ST
NORFOLK, NE 68701
* $ 765,384,000 9 $ 2,865,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 2,155,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 2,145,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 8 $ 1,670,000
Service First Federal Credit Union
3901 E 10TH STREET
SIOUX FALLS, SD 57103
* $ 165,244,000 8 $ 870,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 7 $ 1,065,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 7 $ 1,575,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 6 $ 1,630,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ 2,069,570,000 6 $ 1,190,000
Availa Bank
126 W 6TH ST
CARROLL, IA 51401
* $ 1,083,734,000 6 $ 1,020,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,290,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 6 $ 1,080,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 1,325,000
Iowa State Bank
1101 MAIN STREET
HULL, IA 51239
* $ 645,671,000 5 $ 1,115,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 405,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 5 $ 1,085,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 5 $ 775,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ 1,418,352,000 4 $ 770,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 4 $ 810,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 285,828,000 4 $ 1,160,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 4 $ 800,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 4 $ 730,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 4 $ 910,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 620,000
Fortunebank
3494 JEFFCO BLVD
ARNOLD, MO 63010
* $ 199,171,000 4 $ 760,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 940,000
Reliabank Dakota
211 N MAIN ST
ESTELLINE, SD 57234
* $ 471,230,000 4 $ 510,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 745,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 737,952,000 3 $ 605,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 3 $ 835,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 3 $ 895,000
American Bank & Trust
120 E MAIN STREET
SIOUX FALLS, SD 57108
* $ 985,338,000 3 $ 575,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 4,348,222,000 3 $ 765,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 3 $ 995,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 685,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,043,000 3 $ 595,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 2 $ 810,000
Telco Triad Community CU Hmda 2025
1420 TRI VIEW AVE
SIOUX CITY, IA 51108
* $ 96,791,000 2 $ 30,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 2 $ 580,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 2 $ 330,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 2 $ 350,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 590,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 470,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,205,032,000 2 $ 60,000
Peoples Bank
1230 VALLEY DRIVE
ROCK VALLEY, IA 51247
* $ 638,804,000 2 $ 350,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 340,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 22,555,038,000 2 $ 610,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 100,000
American State Bank
525 N MAIN AVE, PO BOX 140
SIOUX CENTER, IA 51250
* $ 948,382,000 1 $ 195,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 1 $ 115,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 235,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 125,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 225,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 4,583,369,000 1 $ 275,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 1 $ 605,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 65,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 1 $ 15,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 1,241,291,000 1 $ 355,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 385,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 85,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 63,780,722,000 1 $ 135,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 225,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 345,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 355,000
Visionbank
3000 25TH STREET SOUTH
FARGO, ND 58103
* $ 200,905,000 1 $ 285,000
The First National Bank in Sioux Falls
100 S. PHILLIPS AVENUE
SIOUX FALLS, SD 57104
* $ 1,339,634,000 1 $ 215,000
American National Bank
8990 WEST DODGE RD
OMAHA, NE 68114
* $ 4,043,203,000 1 $ 205,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 215,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 185,000
Capital Credit Union
PO BOX 2096
BISMARCK, ND 58502
* $ 540,918,000 1 $ 165,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 225,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 879,238,000 1 $ 195,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 615,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 215,000
Raccoon Valley Bank
1202 SECOND
PERRY, IA 50220
* $ 304,873,000 1 $ 475,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 275,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 198,963,000 1 $ 335,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 315,000
Sioux Empire
5010 S SOLBERG AVE
SIOUX FALLS, SD 57108
* $ 126,992,000 1 $ 75,000
Bank Iowa
1150 JORDAN CREEK PARKWAY
WEST DES MOINES, IA 50266
* $ 1,391,958,000 1 $ 55,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 215,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 45,000

The tables below break down 2020 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 2020

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
Refinancing 608 $141,170,000 $232,000 $1,045,000 $144,000 $3,683,000
Home Purchase 408 $104,250,000 $255,000 $1,705,000 $140,000 $1,659,000
Cash-out Refinancing 251 $55,525,000 $221,000 $875,000 $119,000 $786,000
Home Improvement 41 $4,345,000 $105,000 $645,000 $263,000 $2,955,000
Other Purpose 20 $3,030,000 $151,000 $505,000 $151,000 $400,000
Not Applicable 8 $1,450,000 $181,000 $615,000 $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 1,121 $259,215,000 $231,000 $1,615,000 $138,000 $3,683,000
Not Provided 96 $21,530,000 $224,000 $815,000 $177,000 $2,955,000
Not applicable 57 $11,665,000 $204,000 $615,000 $111,000 $173,000
Hispanic 26 $6,480,000 $249,000 $475,000 $132,000 $414,000
Asian 15 $5,315,000 $354,000 $1,705,000 $258,000 $1,626,000
Black or African American 12 $3,510,000 $292,000 $515,000 $132,000 $199,000
American Indian or Alaskan Native 6 $1,620,000 $270,000 $495,000 $99,000 $185,000
Native Hawaiian or Other Pacific Islander 2 $150,000 $75,000 $75,000 $152,000 $158,000

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) 1,138 $268,970,000 $236,000 $1,705,000 $148,000 $3,683,000
VA-guaranteed (Veterans Administration) 102 $24,730,000 $242,000 $875,000 $97,000 $360,000
FHA-insured (Federal Housing Administration) 69 $12,605,000 $182,000 $335,000 $77,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $3,465,000 $128,000 $255,000 $52,000 $91,000

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 910 $217,880,000 $239,000 $1,615,000 $148,000 $3,683,000
Application Withdrawn By Applicant 161 $38,875,000 $241,000 $1,705,000 $141,000 $800,000
Application Denied By Financial Institution 131 $25,745,000 $196,000 $585,000 $101,000 $1,106,000
Loan Purchased By The Institution 81 $15,685,000 $193,000 $615,000 $109,000 $426,000
File Closed For Incompleteness 31 $6,635,000 $214,000 $405,000 $112,000 $276,000
Application Approved But Not Accepted 22 $4,950,000 $225,000 $1,205,000 $250,000 $2,955,000
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 1,119 $265,435,000 $237,000 $1,705,000 $147,000 $3,683,000
Debt-To-Income Ratio 121 $25,785,000 $213,000 $515,000 $115,000 $600,000
Credit History 39 $6,945,000 $178,000 $425,000 $78,000 $273,000
Credit Application Incomplete 22 $4,970,000 $225,000 $455,000 $124,000 $314,000
Collateral 17 $2,455,000 $144,000 $455,000 $121,000 $400,000
Other 14 $3,030,000 $216,000 $555,000 $164,000 $1,106,000
Unverifiable Information 2 $800,000 $400,000 $585,000 $117,000 $134,000
Insufficient Cash (Downpayment, Closing Cost) 1 $145,000 $145,000 $145,000 $58,000 $58,000
Mortgage Insurance Denied 1 $205,000 $205,000 $205,000 $35,000 $35,000
Employment History 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.

Download the South Dakota Lender List