Union County, SD Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 674 mortgage applications in Union County, SD totaling $175.0 million, down 35% from 2021. The average application was for $259,000, and applicants reported an average income of $145,000. 66% of applications resulted in an originated loan and 9% were denied. The most active lender was Central Bank, with 60 applications, followed by The Security National Bank of Sioux City, Iowa and Plains Commerce Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 674
Total Mortgage Loan Application Amount $174,990,000
Average Mortgage Loan Application Amount $259,000
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $145,000
Highest Applicant Income $2,400,000

Mortgage Company List for Lending in Union County, SD for 2022

* 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
* $ 1,731,908,000 60 $ 23,820,000
The Security National Bank of Sioux City, Iowa
601 PIERCE STREET
SIOUX CITY, IA 51101
* $ 1,461,478,000 44 $ 18,940,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 40 $ 10,480,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 2,449,188,000 31 $ 6,485,000
Siouxland Federal Credit Union
3000 PLAZA DRIVE
SO SIOUX CITY, NE 68776
* $ 253,177,000 29 $ 7,385,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 29 $ 8,075,000
Primebank
37 1ST AVE NW
LE MARS, IA 51031
* $ 556,335,000 25 $ 7,255,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 25 $ 4,935,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 22 $ 5,240,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 21 $ 5,685,000
Premier Bank
1004 21ST AVENUE
ROCK VALLEY, IA 51247
* $ 551,675,000 17 $ 1,995,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 2,278,779,000 14 $ 3,270,000
Liberty National Bank

SIOUX FALLS, SD 57106
* $ 516,447,000 12 $ 3,880,000
Security National Bank of Sd
325 DAKOTA DUNES BLVD
DAKOTA DUNES, SD 57049
* $ 248,058,000 11 $ 2,005,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 11 $ 605,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 11 $ 2,835,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ 4,059,403,000 10 $ 2,830,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 9 $ 2,445,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 2,335,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 8 $ 940,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 2,889,083,000 8 $ 1,460,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,115,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,285,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ 19,608,230,000 7 $ 895,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 1,350,000
Reliabank Dakota
211 N MAIN ST
ESTELLINE, SD 57234
* $ 735,374,000 6 $ 1,610,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 6 $ 1,530,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 2,030,000
Telco Triad Community CU Hmda 2025
1420 TRI VIEW AVE
SIOUX CITY, IA 51108
* $ 119,088,000 6 $ 1,220,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 6 $ 1,010,000
CU Mortgage Direct, LLC
5010 S. SOLBERG AVENUE
SIOUX FALLS, SD 57108
* $ -1,000 5 $ 1,085,000
Levo Federal Credit Union
700 E 14TH STREET
SIOUX FALLS, SD 57106
* $ 434,021,000 5 $ 705,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 620,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 4 $ 1,140,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 4,710,410,000 4 $ 630,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ -1,000 4 $ 840,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 1,030,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ 1,952,365,000 4 $ 870,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 1,000,660,000 4 $ 1,490,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 1,010,000
American Bank & Trust
120 E MAIN STREET
SIOUX FALLS, SD 57108
* $ 1,319,953,000 4 $ 430,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 3 $ 385,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 95,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 955,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 525,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 1,285,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 895,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 935,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 835,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 230,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 13,339,325,000 2 $ 380,000
Peoples Bank
1230 VALLEY DRIVE
ROCK VALLEY, IA 51247
* $ 801,659,000 2 $ 410,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 2 $ 660,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 660,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 750,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 1,668,615,000 2 $ 380,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 354,210,000 2 $ 840,000
Midstates Bank NA
1851 MADISON AVE., STE. 732
COUNCIL BLUFFS, IA 51503
* $ 650,335,000 2 $ 2,220,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 2 $ 110,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 2 $ 680,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 170,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 640,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 2 $ 720,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,502,665,000 2 $ 60,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 3,383,892,000 2 $ 410,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 245,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 215,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 165,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 265,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 5,860,350,000 1 $ 455,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 335,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 42,392,285,000 1 $ 115,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 125,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 35,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 215,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 153,010,000 1 $ 405,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 375,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 595,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 355,000
Bankfirst
920 S 13TH ST
NORFOLK, NE 68701
* $ 857,401,000 1 $ 115,000
Bluestone Federal Credit Union
5010 S SOLBERG AVE
SIOUX FALLS, SD 57109
* $ 177,429,000 1 $ 85,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 275,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 325,000
Citizens Bank Minnesota
105 NORTH MINNESOTA STREET
NEW ULM, MN 56073
* $ 586,804,000 1 $ 105,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 85,000
Service First Federal Credit Union
3901 E 10TH STREET
SIOUX FALLS, SD 57103
* $ 217,942,000 1 $ 115,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 16,499,164,000 1 $ 265,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 225,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 255,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 370,967,000 1 $ 275,000
N.W. Iowa Credit Union
1411 INDUSTRIAL RD SW
LEMARS, IA 51031
* $ 75,472,000 1 $ 75,000
Security Savings Bank

LARCHWOOD, IA 51241
* $ 488,193,000 1 $ 75,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 1 $ 255,000
Frontier Bank
301 FIRST AVE
ROCK RAPIDS, IA 51241
* $ 278,868,000 1 $ 305,000
Unify Home Lending Inc.
2101 MT RUSHMORE RD #300
PIERRE, SD 57701
* $ -1,000 1 $ 235,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 26,812,859,000 1 $ 325,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 1 $ 155,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 45,000
Cortrust Bank
100 EAST HAVENS
MITCHELL, SD 57301
* $ 1,566,307,000 1 $ 25,000
Voyage Federal Credit Union
3823 KIWANIS CIR
SIOUX FALLS, SD 57105
* $ 172,517,000 1 $ 115,000
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 1 $ 195,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 467,757,000 1 $ 255,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 1 $ 435,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 305,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 9,729,918,000 1 $ 305,000
Availa Bank
126 W 6TH ST
CARROLL, IA 51401
* $ 1,464,817,000 1 $ 145,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 9,011,033,000 1 $ 135,000

The tables below break down 2022 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 2022

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 341 $111,235,000 $326,000 $2,805,000 $158,000 $2,400,000
Refinancing 121 $26,485,000 $218,000 $1,005,000 $136,000 $1,036,000
Cash-out Refinancing 110 $27,210,000 $247,000 $2,005,000 $125,000 $948,000
Home Improvement 51 $4,265,000 $83,000 $505,000 $135,000 $503,000
Other Purpose 50 $5,580,000 $111,000 $745,000 $135,000 $475,000
Not Applicable 1 $215,000 $215,000 $215,000 $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 551 $137,935,000 $250,000 $2,005,000 $143,000 $2,400,000
Not applicable 45 $13,745,000 $305,000 $675,000 $73,000 $121,000
Not Provided 38 $10,750,000 $282,000 $2,805,000 $169,000 $1,062,000
Hispanic 20 $5,890,000 $294,000 $1,305,000 $145,000 $485,000
Asian 8 $2,980,000 $372,000 $1,165,000 $160,000 $490,000
American Indian or Alaskan Native 7 $1,665,000 $237,000 $435,000 $125,000 $254,000
Black or African American 3 $875,000 $291,000 $545,000 $249,000 $540,000
Native Hawaiian or Other Pacific Islander 1 $685,000 $685,000 $685,000 $240,000 $240,000

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) 570 $150,900,000 $264,000 $2,805,000 $157,000 $2,400,000
FHA-insured (Federal Housing Administration) 60 $12,880,000 $214,000 $395,000 $68,000 $150,000
VA-guaranteed (Veterans Administration) 35 $9,755,000 $278,000 $515,000 $85,000 $170,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,455,000 $161,000 $385,000 $63,000 $94,000

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 445 $123,555,000 $277,000 $2,805,000 $161,000 $2,400,000
Application Withdrawn By Applicant 94 $23,840,000 $253,000 $1,805,000 $120,000 $1,272,000
Application Denied By Financial Institution 60 $10,330,000 $172,000 $545,000 $87,000 $237,000
Loan Purchased By The Institution 51 $13,415,000 $263,000 $545,000 $108,000 $500,000
File Closed For Incompleteness 12 $1,510,000 $125,000 $305,000 $144,000 $230,000
Application Approved But Not Accepted 10 $2,000,000 $200,000 $425,000 $107,000 $244,000
Preapproval Approved but not Accepted 2 $340,000 $170,000 $195,000 $85,000 $116,000
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 584 $160,420,000 $274,000 $2,805,000 $154,000 $2,400,000
Debt-To-Income Ratio 46 $7,370,000 $160,000 $515,000 $77,000 $179,000
Credit History 19 $2,525,000 $132,000 $335,000 $68,000 $150,000
Collateral 12 $1,450,000 $120,000 $365,000 $88,000 $183,000
Credit Application Incomplete 6 $1,080,000 $180,000 $535,000 $92,000 $138,000
Other 5 $1,225,000 $245,000 $355,000 $132,000 $237,000
Unverifiable Information 1 $375,000 $375,000 $375,000 $111,000 $111,000
Employment History 1 $545,000 $545,000 $545,000 $200,000 $200,000
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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