Aurora County, SD Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 65 mortgage applications in Aurora County, SD totaling $5.8 million, up 7% from 2009. The average application was for $89,000, and applicants reported an average income of $58,000. 46% of applications resulted in an originated loan and 32% were denied. The most active lender was Wells Fargo Bank, NA, with 13 applications, followed by Bankwest, Inc. and US Bank North Dakota.
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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 | 65 |
| Total Mortgage Loan Application Amount | $5,843,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $228,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 13 | $ 1,234,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 749,809,000 | 7 | $ 394,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 5 | $ 252,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,597,000 | 4 | $ 192,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 4 | $ 379,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 145,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 400,559,000 | 3 | $ 300,000 |
| First Nat'l Bank of S Dakota 332 BROADWAY YANKTON, SD 57078 |
* | $ 431,370,000 | 3 | $ 216,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 754,492,000 | 3 | $ 530,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 489,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 2 | $ 183,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 140,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 1 | $ 45,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 158,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 384,883,000 | 1 | $ 109,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 75,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,121,795,000 | 1 | $ 51,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 1 | $ 10,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 1 | $ 37,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 158,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 83,000 |
| Midwest Family Lending Corp. 2753 99TH STREET URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 158,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 45,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 16,000 |
The tables below break down 2010 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 2010
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 | 50 | $5,018,000 | $100,000 | $300,000 | $62,000 | $228,000 |
| Home Purchase | 8 | $495,000 | $61,000 | $109,000 | $41,000 | $57,000 |
| Home Improvement | 7 | $330,000 | $47,000 | $200,000 | $50,000 | $152,000 |
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 | 55 | $4,910,000 | $89,000 | $300,000 | $62,000 | $228,000 |
| Not Provided | 7 | $477,000 | $68,000 | $104,000 | $40,000 | $79,000 |
| Not applicable | 3 | $456,000 | $152,000 | $158,000 | $40,000 | $122,000 |
| 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 |
| 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) | 56 | $5,072,000 | $90,000 | $300,000 | $59,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 7 | $668,000 | $95,000 | $140,000 | $61,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $47,000 | $47,000 | $47,000 | $34,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 1 | $56,000 | $56,000 | $56,000 | $34,000 | $34,000 |
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 | 30 | $3,070,000 | $102,000 | $300,000 | $70,000 | $228,000 |
| Application Denied By Financial Institution | 21 | $1,441,000 | $68,000 | $222,000 | $50,000 | $167,000 |
| Loan Purchased By The Institution | 7 | $824,000 | $117,000 | $158,000 | $46,000 | $122,000 |
| Application Withdrawn By Applicant | 4 | $283,000 | $70,000 | $85,000 | $52,000 | $93,000 |
| Application Approved But Not Accepted | 2 | $165,000 | $82,000 | $90,000 | $40,000 | $51,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $45,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $449,000 | $112,000 | $222,000 | $70,000 | $142,000 |
| Debt-To-Income Ratio | 4 | $251,000 | $62,000 | $105,000 | $54,000 | $167,000 |
| Credit History | 3 | $112,000 | $37,000 | $86,000 | $43,000 | $53,000 |
| Other | 2 | $80,000 | $40,000 | $45,000 | $62,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $51,000 | $51,000 | $51,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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