Walworth County, SD Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 215 mortgage applications in Walworth County, SD totaling $32.3 million, up 6% from 2020. The average application was for $150,000, and applicants reported an average income of $96,000. 57% of applications resulted in an originated loan and 12% were denied. The most active lender was Dacotah Bank, with 43 applications, followed by Great Western Bank 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 | 215 |
| Total Mortgage Loan Application Amount | $32,275,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $1,128,000 |
| 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 |
* | $ 2,689,384,000 | 43 | $ 5,975,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 39 | $ 4,835,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 18 | $ 2,330,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 11 | $ 1,345,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 7 | $ 1,615,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 7 | $ 595,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 1,365,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 6 | $ 1,310,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 820,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 1,010,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 485,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 235,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 1,275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 535,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 360,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 180,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 510,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 500,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 2 | $ 220,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 125,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 1 | $ 55,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 246,223,000 | 1 | $ 205,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 1 | $ 315,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 345,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 105,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,041,578,000 | 1 | $ 185,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,339,634,000 | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 205,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,089,559,000 | 1 | $ 65,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 6,492,180,000 | 1 | $ 285,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 306,098,000 | 1 | $ 1,045,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 65,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 35,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 75,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 155,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,633,125,000 | 1 | $ 105,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 1 | $ 305,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 1 | $ 45,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 115,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 1 | $ 15,000 |
The tables below break down 2021 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 2021
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 | 109 | $16,085,000 | $147,000 | $1,045,000 | $97,000 | $1,128,000 |
| Refinancing | 60 | $10,200,000 | $170,000 | $475,000 | $99,000 | $483,000 |
| Cash-out Refinancing | 33 | $5,005,000 | $151,000 | $365,000 | $100,000 | $391,000 |
| Home Improvement | 8 | $360,000 | $45,000 | $75,000 | $56,000 | $90,000 |
| Other Purpose | 3 | $415,000 | $138,000 | $205,000 | $99,000 | $141,000 |
| Not Applicable | 2 | $210,000 | $105,000 | $125,000 | $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 | 158 | $24,030,000 | $152,000 | $545,000 | $96,000 | $1,128,000 |
| Not applicable | 21 | $3,745,000 | $178,000 | $1,045,000 | $0 | $0 |
| Not Provided | 18 | $2,200,000 | $122,000 | $295,000 | $77,000 | $141,000 |
| American Indian or Alaskan Native | 13 | $1,525,000 | $117,000 | $265,000 | $141,000 | $985,000 |
| Hispanic | 4 | $660,000 | $165,000 | $245,000 | $66,000 | $133,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $55,000 | $55,000 |
| Black or African American | 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) | 154 | $24,030,000 | $156,000 | $1,045,000 | $105,000 | $1,128,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,820,000 | $172,000 | $515,000 | $88,000 | $190,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,425,000 | $127,000 | $245,000 | $65,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,000,000 | $71,000 | $165,000 | $38,000 | $57,000 |
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 | 123 | $19,485,000 | $158,000 | $1,045,000 | $95,000 | $1,128,000 |
| Application Denied By Financial Institution | 26 | $3,030,000 | $116,000 | $365,000 | $68,000 | $230,000 |
| Loan Purchased By The Institution | 25 | $3,725,000 | $149,000 | $515,000 | $93,000 | $153,000 |
| Application Withdrawn By Applicant | 21 | $2,585,000 | $123,000 | $365,000 | $121,000 | $985,000 |
| File Closed For Incompleteness | 13 | $2,515,000 | $193,000 | $355,000 | $117,000 | $276,000 |
| Application Approved But Not Accepted | 4 | $640,000 | $160,000 | $275,000 | $128,000 | $190,000 |
| Preapproval Approved but not Accepted | 3 | $295,000 | $98,000 | $125,000 | $77,000 | $85,000 |
| 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 | 188 | $29,040,000 | $154,000 | $1,045,000 | $100,000 | $1,128,000 |
| Credit History | 8 | $1,000,000 | $125,000 | $305,000 | $85,000 | $177,000 |
| Debt-To-Income Ratio | 8 | $1,300,000 | $162,000 | $365,000 | $92,000 | $230,000 |
| Collateral | 3 | $265,000 | $88,000 | $125,000 | $54,000 | $85,000 |
| Credit Application Incomplete | 3 | $365,000 | $121,000 | $145,000 | $49,000 | $58,000 |
| Employment History | 2 | $60,000 | $30,000 | $45,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $94,000 | $94,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $51,000 | $51,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $49,000 | $49,000 |
| 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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