Aurora County, SD Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 55 mortgage applications in Aurora County, SD totaling $6.8 million, down 15% from 2010. The average application was for $124,000, and applicants reported an average income of $88,000. 42% of applications resulted in an originated loan and 25% were denied. The most active lender was Wells Fargo Bank NA, with 9 applications, followed by First Dakota National Bak and Cortrust Mortgage, 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 | 55 |
| Total Mortgage Loan Application Amount | $6,849,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $1,119,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $984,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 9 | $ 802,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 787,708,000 | 7 | $ 1,806,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 7 | $ 875,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,223,973,000 | 5 | $ 519,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 5 | $ 338,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 743,483,000 | 3 | $ 184,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 3 | $ 337,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 2 | $ 268,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 331,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 115,873,000 | 2 | $ 428,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 70,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 622,931,000 | 2 | $ 88,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 216,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 49,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 44,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 160,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 205,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 129,000 |
The tables below break down 2011 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 2011
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 | 34 | $5,148,000 | $151,000 | $1,119,000 | $117,000 | $984,000 |
| Home Purchase | 20 | $1,679,000 | $83,000 | $160,000 | $42,000 | $115,000 |
| Home Improvement | 1 | $22,000 | $22,000 | $22,000 | $42,000 | $42,000 |
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 | 48 | $5,922,000 | $123,000 | $1,119,000 | $74,000 | $929,000 |
| Not Provided | 4 | $503,000 | $125,000 | $216,000 | $325,000 | $984,000 |
| Not applicable | 3 | $424,000 | $141,000 | $214,000 | $0 | $0 |
| 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) | 44 | $4,631,000 | $105,000 | $216,000 | $80,000 | $984,000 |
| FHA-insured (Federal Housing Administration) | 6 | $668,000 | $111,000 | $129,000 | $37,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,422,000 | $355,000 | $1,119,000 | $264,000 | $929,000 |
| VA-guaranteed (Veterans Administration) | 1 | $128,000 | $128,000 | $128,000 | $50,000 | $50,000 |
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 | 23 | $2,324,000 | $101,000 | $216,000 | $68,000 | $241,000 |
| Application Denied By Financial Institution | 14 | $1,322,000 | $94,000 | $205,000 | $52,000 | $138,000 |
| Loan Purchased By The Institution | 7 | $887,000 | $126,000 | $214,000 | $22,000 | $58,000 |
| Application Approved But Not Accepted | 6 | $727,000 | $121,000 | $214,000 | $58,000 | $89,000 |
| Application Withdrawn By Applicant | 5 | $1,589,000 | $317,000 | $1,119,000 | $408,000 | $984,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5 | $546,000 | $109,000 | $205,000 | $63,000 | $138,000 |
| Credit History | 3 | $287,000 | $95,000 | $128,000 | $52,000 | $64,000 |
| Credit Application Incomplete | 2 | $175,000 | $87,000 | $121,000 | $52,000 | $60,000 |
| Debt-To-Income Ratio | 1 | $52,000 | $52,000 | $52,000 | $37,000 | $37,000 |
| Employment History | 1 | $67,000 | $67,000 | $67,000 | $49,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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