Aurora County, SD Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 82 mortgage applications in Aurora County, SD totaling $6.5 million, up 28% from 2004. The average application was for $78,000, and applicants reported an average income of $49,000. 41% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank, NA, with 11 applications, followed by Bankwest, Inc. and Argent Mortgage Company.
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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 | 82 |
| Total Mortgage Loan Application Amount | $6,459,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $290,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $217,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 11 | $ 563,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 474,656,000 | 9 | $ 753,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 7 | $ 430,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 649,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 4 | $ 275,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 4 | $ 266,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 525,586,000 | 4 | $ 570,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 4 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 178,000 |
| Valley Bank, N.A. 4619 E. ARROWHEAD PKWY SIOUX FALLS, SD 57110 |
* | $ 69,771,000 | 2 | $ 415,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 845,788,000 | 2 | $ 134,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 162,000 |
| Maribella Mortage, LLC 3600 MINNESOTA DRIVE, SUITE 650 EDINA, MN 55431 |
* | $ 10,000,000 | 2 | $ 58,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 2 | $ 197,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 2 | $ 105,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 375,331,000 | 1 | $ 5,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,260,000 | 1 | $ 84,000 |
| Meritage Mortgage Corporation 4901 BELFORT ROAD, SUITE 160 JACKSONVILLE, FL 32256 |
* | $ 331,410,000 | 1 | $ 67,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 1 | $ 72,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 1 | $ 51,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 13,770,188,000 | 1 | $ 42,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 58,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 62,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 88,000 |
| Security National Bank 202 E. 2ND STREET LAUREL, NE 68745 |
* | $ 96,559,000 | 1 | $ 100,000 |
| Sun American Mortgage Company 4140 E. BASELINE RD., #206 MESA, AZ 85206 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 1 | $ 91,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 1 | $ 62,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 1 | $ 40,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 71,000 |
The tables below break down 2005 mortgage applications in Aurora 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 Aurora County, SD in 2005
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 | 47 | $4,035,000 | $85,000 | $290,000 | $54,000 | $217,000 |
| Home Purchase | 28 | $2,271,000 | $81,000 | $290,000 | $41,000 | $104,000 |
| Home Improvement | 7 | $153,000 | $21,000 | $80,000 | $48,000 | $86,000 |
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 | 74 | $5,848,000 | $79,000 | $290,000 | $52,000 | $217,000 |
| Not applicable | 4 | $365,000 | $91,000 | $147,000 | $0 | $0 |
| Not Provided | 3 | $169,000 | $56,000 | $68,000 | $36,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $77,000 | $77,000 | $77,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 75 | $5,769,000 | $76,000 | $290,000 | $50,000 | $217,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $553,000 | $110,000 | $290,000 | $46,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 2 | $137,000 | $68,000 | $85,000 | $19,000 | $38,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 34 | $2,663,000 | $78,000 | $290,000 | $59,000 | $217,000 |
| Application Denied By Financial Institution | 20 | $1,350,000 | $67,000 | $290,000 | $47,000 | $90,000 |
| Application Withdrawn By Applicant | 11 | $986,000 | $89,000 | $183,000 | $37,000 | $84,000 |
| Application Approved But Not Accepted | 6 | $385,000 | $64,000 | $95,000 | $54,000 | $100,000 |
| Loan Purchased By The Institution | 6 | $492,000 | $82,000 | $147,000 | $17,000 | $56,000 |
| File Closed For Incompleteness | 5 | $583,000 | $116,000 | $198,000 | $56,000 | $93,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 4 | $255,000 | $63,000 | $80,000 | $32,000 | $48,000 |
| Collateral | 3 | $141,000 | $47,000 | $64,000 | $75,000 | $90,000 |
| Credit Application Incomplete | 3 | $187,000 | $62,000 | $72,000 | $38,000 | $50,000 |
| Credit History | 3 | $141,000 | $47,000 | $60,000 | $39,000 | $47,000 |
| Debt-To-Income Ratio | 2 | $342,000 | $171,000 | $290,000 | $63,000 | $89,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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