Walworth County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 149 mortgage applications in Walworth County, SD totaling $19.9 million, down 3% from 2015. The average application was for $133,000, and applicants reported an average income of $74,000. 55% of applications resulted in an originated loan and 23% were denied. The most active lender was Dacotah Bank, with 30 applications, followed by Wells Fargo Bank NA and Bankwest, Inc..
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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 | 149 |
| Total Mortgage Loan Application Amount | $19,940,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $2,073,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $793,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 30 | $ 2,845,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 20 | $ 1,929,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 16 | $ 4,311,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 16 | $ 2,629,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 9 | $ 1,119,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 8 | $ 1,161,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 610,982,000 | 5 | $ 695,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 274,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 723,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 3 | $ 335,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 348,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 190,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 326,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 174,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 116,746,000 | 1 | $ 110,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 170,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 282,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 96,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 1 | $ 112,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 636,572,000 | 1 | $ 85,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 170,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 6,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 36,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 149,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 256,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 8,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 1 | $ 140,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Tradition Capital Bank 7601 FRANCE AVE S WAYZATA, MN 55391 |
* | $ 431,266,000 | 1 | $ 240,000 |
| Valley Exchange Bank 214 S MAIN ST, PO BOX 19 LENNOX, SD 57039 |
* | $ 67,451,000 | 1 | $ 19,000 |
The tables below break down 2016 mortgage applications in Walworth 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 Walworth 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 | 81 | $10,901,000 | $134,000 | $377,000 | $65,000 | $211,000 |
| Refinancing | 45 | $7,722,000 | $171,000 | $2,073,000 | $88,000 | $793,000 |
| Home Improvement | 23 | $1,317,000 | $57,000 | $250,000 | $73,000 | $153,000 |
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 | 114 | $12,979,000 | $113,000 | $302,000 | $70,000 | $211,000 |
| Not applicable | 15 | $4,434,000 | $295,000 | $2,073,000 | $28,000 | $134,000 |
| Not Provided | 10 | $794,000 | $79,000 | $149,000 | $56,000 | $105,000 |
| American Indian or Alaskan Native | 7 | $1,488,000 | $212,000 | $659,000 | $265,000 | $793,000 |
| Hispanic | 2 | $174,000 | $87,000 | $87,000 | $52,000 | $56,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $71,000 | $71,000 | $71,000 | $50,000 | $50,000 |
| 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) | 93 | $12,378,000 | $133,000 | $2,073,000 | $88,000 | $793,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,679,000 | $167,000 | $377,000 | $60,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,460,000 | $97,000 | $192,000 | $43,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,423,000 | $109,000 | $302,000 | $32,000 | $78,000 |
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 | 82 | $11,861,000 | $144,000 | $2,073,000 | $86,000 | $793,000 |
| Application Denied By Financial Institution | 35 | $3,975,000 | $113,000 | $302,000 | $63,000 | $211,000 |
| Loan Purchased By The Institution | 14 | $2,347,000 | $167,000 | $377,000 | $35,000 | $134,000 |
| Application Withdrawn By Applicant | 12 | $1,265,000 | $105,000 | $285,000 | $65,000 | $195,000 |
| Application Approved But Not Accepted | 4 | $386,000 | $96,000 | $250,000 | $75,000 | $104,000 |
| File Closed For Incompleteness | 2 | $106,000 | $53,000 | $71,000 | $45,000 | $50,000 |
| 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 | 5 | $213,000 | $42,000 | $110,000 | $49,000 | $81,000 |
| Debt-To-Income Ratio | 3 | $291,000 | $97,000 | $113,000 | $45,000 | $50,000 |
| Collateral | 3 | $445,000 | $148,000 | $240,000 | $65,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $70,000 | $70,000 | $70,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
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