Union County, SD Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 600 mortgage applications in Union County, SD totaling $156.6 million, up 11% from 2023. The average application was for $260,000, and applicants reported an average income of $167,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was Central Bank, with 53 applications, followed by Siouxland Federal Credit Union and The Security National Bank of Sioux City, Iowa.
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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 | 600 |
| Total Mortgage Loan Application Amount | $156,570,000 |
| Average Mortgage Loan Application Amount | $260,000 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $167,000 |
| Highest Applicant Income | $9,210,000 |
* 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 |
* | $ n/a | 53 | $ 17,355,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ n/a | 37 | $ 6,725,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ n/a | 31 | $ 13,975,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 27 | $ 6,085,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ n/a | 23 | $ 5,005,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 21 | $ 4,445,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 19 | $ 5,955,000 |
| Premier Bank 1004 21ST AVENUE ROCK VALLEY, IA 51247 |
* | $ n/a | 18 | $ 2,010,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 3,755,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 14 | $ 3,290,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 13 | $ 3,885,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 2,955,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 12 | $ 3,120,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 11 | $ 1,685,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 11 | $ 3,895,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 10 | $ 1,450,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 2,325,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 2,535,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 620,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 8 | $ 2,580,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ n/a | 8 | $ 1,490,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 7 | $ 1,905,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 7 | $ 2,185,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 6 | $ 2,340,000 |
| Security National Bank of Sd 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ n/a | 6 | $ 1,160,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ n/a | 6 | $ 540,000 |
| Primebank 37 1ST AVE NW LE MARS, IA 51031 |
* | $ n/a | 6 | $ 2,260,000 |
| Telco Triad Community CU Hmda 2025 1420 TRI VIEW AVE SIOUX CITY, IA 51108 |
* | $ n/a | 6 | $ 690,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 5 | $ 1,865,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 1,275,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 5 | $ 935,000 |
| Pioneer Bank 4700 SINGING HILLS BLVD. SERGEANT BLUFF, IA 51054 |
* | $ n/a | 5 | $ 3,025,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 5 | $ 1,005,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 5 | $ 1,845,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 405,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ n/a | 5 | $ 905,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 945,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 1,010,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 1,320,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 850,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ n/a | 4 | $ 230,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 430,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 1,520,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,580,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 1,045,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 3 | $ 715,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 3 | $ 595,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ n/a | 3 | $ 455,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ n/a | 3 | $ 525,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 3 | $ 255,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 3 | $ 1,675,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ n/a | 3 | $ 3,045,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ n/a | 3 | $ 575,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 775,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 3 | $ 1,015,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ n/a | 2 | $ 540,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 170,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 730,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 690,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 280,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 870,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ n/a | 2 | $ 550,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ n/a | 2 | $ 670,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 460,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 45,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 5,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 275,000 |
| Rivers Edge Bank 211 N BROADWAY MARION, SD 57043 |
* | $ n/a | 1 | $ 65,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ n/a | 1 | $ 115,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 255,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 65,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 455,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 225,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 1 | $ 235,000 |
| Pinnacle FCU PARLIN, NJ 08859 |
* | $ n/a | 1 | $ 15,000 |
| Bankfirst 920 S 13TH ST NORFOLK, NE 68701 |
* | $ n/a | 1 | $ 205,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ n/a | 1 | $ 165,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 525,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 2,345,000 |
| Bank of Dixon County 117 E 3RD ST PONCA, NE 68770 |
* | $ n/a | 1 | $ 225,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ n/a | 1 | $ 45,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 265,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 845,000 |
| First Nebraska Bank 330 N. SPRUCE STREET, PO BOX 315 VALLEY, NE 68064 |
* | $ n/a | 1 | $ 205,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 1 | $ 165,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 1 | $ 385,000 |
| Hometown Credit Union 18 MAIN AVENUE SOUTH KULM, ND 58456 |
* | $ n/a | 1 | $ 145,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 285,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 475,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 45,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 385,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 465,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ n/a | 1 | $ 425,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 125,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 505,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 105,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ n/a | 1 | $ 15,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 105,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2024 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 2024
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 | 337 | $107,315,000 | $318,000 | $2,405,000 | $156,000 | $1,164,000 |
| Cash-out Refinancing | 90 | $18,030,000 | $200,000 | $675,000 | $119,000 | $500,000 |
| Refinancing | 76 | $21,430,000 | $281,000 | $2,345,000 | $190,000 | $2,451,000 |
| Other Purpose | 60 | $6,800,000 | $113,000 | $705,000 | $297,000 | $9,210,000 |
| Home Improvement | 36 | $2,930,000 | $81,000 | $455,000 | $112,000 | $294,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 472 | $116,900,000 | $247,000 | $1,855,000 | $172,000 | $9,210,000 |
| Not applicable | 66 | $27,470,000 | $416,000 | $2,405,000 | $181,000 | $181,000 |
| Not Provided | 41 | $7,675,000 | $187,000 | $705,000 | $118,000 | $210,000 |
| Hispanic | 12 | $1,760,000 | $146,000 | $315,000 | $143,000 | $603,000 |
| American Indian or Alaskan Native | 5 | $1,845,000 | $369,000 | $505,000 | $199,000 | $324,000 |
| Black or African American | 4 | $920,000 | $230,000 | $465,000 | $127,000 | $142,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 454 | $116,630,000 | $256,000 | $2,405,000 | $186,000 | $9,210,000 |
| FHA-insured (Federal Housing Administration) | 86 | $21,260,000 | $247,000 | $505,000 | $95,000 | $324,000 |
| VA-guaranteed (Veterans Administration) | 55 | $17,955,000 | $326,000 | $845,000 | $110,000 | $306,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $725,000 | $145,000 | $245,000 | $84,000 | $102,000 |
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 | 379 | $100,385,000 | $264,000 | $2,405,000 | $191,000 | $9,210,000 |
| Application Withdrawn By Applicant | 79 | $24,555,000 | $310,000 | $2,405,000 | $146,000 | $500,000 |
| Application Denied By Financial Institution | 67 | $11,205,000 | $167,000 | $675,000 | $91,000 | $460,000 |
| Loan Purchased By The Institution | 49 | $13,815,000 | $281,000 | $765,000 | $117,000 | $181,000 |
| File Closed For Incompleteness | 17 | $4,765,000 | $280,000 | $2,345,000 | $101,000 | $200,000 |
| Application Approved But Not Accepted | 9 | $1,845,000 | $205,000 | $375,000 | $122,000 | $158,000 |
| 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 | 485 | $132,225,000 | $272,000 | $2,345,000 | $182,000 | $9,210,000 |
| Debt-To-Income Ratio | 71 | $17,545,000 | $247,000 | $2,405,000 | $111,000 | $808,000 |
| Credit History | 19 | $3,145,000 | $165,000 | $675,000 | $109,000 | $460,000 |
| Collateral | 8 | $830,000 | $103,000 | $295,000 | $89,000 | $170,000 |
| Credit Application Incomplete | 8 | $1,430,000 | $178,000 | $505,000 | $90,000 | $150,000 |
| Other | 3 | $505,000 | $168,000 | $345,000 | $141,000 | $273,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $175,000 | $98,000 | $182,000 |
| Employment History | 2 | $360,000 | $180,000 | $275,000 | $104,000 | $167,000 |
| Unverifiable Information | 1 | $215,000 | $215,000 | $215,000 | $78,000 | $78,000 |
| 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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