Aurora County, SD Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 49 mortgage applications in Aurora County, SD totaling $5.8 million, up 2% from 2015. The average application was for $117,000, and applicants reported an average income of $79,000. 61% of applications resulted in an originated loan and 24% were denied. The most active lender was Bankwest, Inc., with 9 applications, followed by Sentinel Federal Credit Union and Plains Commerce Bank.
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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 | 49 |
| Total Mortgage Loan Application Amount | $5,752,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $2,165,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $532,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 9 | $ 715,000 |
| Sentinel Federal Credit Union 2723 LEMAY BOULEVARD ELLSWORTHAFB, SD 57706 |
* | $ 107,288,000 | 9 | $ 426,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 610,982,000 | 4 | $ 512,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,293,340,000 | 4 | $ 2,426,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 4 | $ 137,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 275,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 155,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 232,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 2 | $ 121,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 105,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 55,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 197,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 727,923,000 | 1 | $ 13,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,952,150,000 | 1 | $ 25,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 61,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,260,025,000 | 1 | $ 82,000 |
The tables below break down 2016 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 29 | $4,488,000 | $154,000 | $2,165,000 | $80,000 | $532,000 |
| Home Improvement | 10 | $507,000 | $50,000 | $175,000 | $102,000 | $187,000 |
| Home Purchase | 10 | $757,000 | $75,000 | $123,000 | $53,000 | $130,000 |
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 | 44 | $5,372,000 | $122,000 | $2,165,000 | $83,000 | $532,000 |
| Not applicable | 2 | $252,000 | $126,000 | $197,000 | $0 | $0 |
| Not Provided | 2 | $73,000 | $36,000 | $55,000 | $90,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $48,000 | $48,000 |
| 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 Hawaiin 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) | 39 | $5,077,000 | $130,000 | $2,165,000 | $93,000 | $532,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $271,000 | $67,000 | $123,000 | $36,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 3 | $139,000 | $46,000 | $55,000 | $20,000 | $48,000 |
| FHA-insured (Federal Housing Administration) | 3 | $265,000 | $88,000 | $105,000 | $10,000 | $31,000 |
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 | $4,112,000 | $137,000 | $2,165,000 | $95,000 | $532,000 |
| Application Denied By Financial Institution | 12 | $911,000 | $75,000 | $175,000 | $65,000 | $130,000 |
| Loan Purchased By The Institution | 3 | $357,000 | $119,000 | $197,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $79,000 | $39,000 | $58,000 | $70,000 | $86,000 |
| Application Approved But Not Accepted | 1 | $170,000 | $170,000 | $170,000 | $88,000 | $88,000 |
| Application Withdrawn By Applicant | 1 | $123,000 | $123,000 | $123,000 | $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 | 3 | $371,000 | $123,000 | $175,000 | $69,000 | $105,000 |
| Credit History | 2 | $59,000 | $29,000 | $57,000 | $68,000 | $70,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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