Aurora County, SD Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 84 mortgage applications in Aurora County, SD totaling $14.0 million, up 75% from 2019. The average application was for $166,000, and applicants reported an average income of $84,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Plains Commerce Bank, with 20 applications, followed by US Bank, N.A. 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 | 84 |
| Total Mortgage Loan Application Amount | $14,000,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $321,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 20 | $ 3,810,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 9 | $ 1,555,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 9 | $ 1,465,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 8 | $ 1,540,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,776,882,000 | 4 | $ 450,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 4 | $ 740,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 3 | $ 325,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 3 | $ 525,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 310,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 190,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 530,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 430,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 2 | $ 170,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 85,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 235,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 75,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 1,024,331,000 | 1 | $ 105,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 1 | $ 265,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 1 | $ 85,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 185,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 65,000 |
The tables below break down 2020 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 2020
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 | 31 | $5,255,000 | $169,000 | $335,000 | $93,000 | $192,000 |
| Cash-out Refinancing | 26 | $4,440,000 | $170,000 | $415,000 | $89,000 | $321,000 |
| Home Purchase | 22 | $3,800,000 | $172,000 | $325,000 | $62,000 | $156,000 |
| Other Purpose | 3 | $475,000 | $158,000 | $285,000 | $144,000 | $261,000 |
| Home Improvement | 2 | $30,000 | $15,000 | $15,000 | $53,000 | $67,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 68 | $11,120,000 | $163,000 | $415,000 | $85,000 | $321,000 |
| Not applicable | 9 | $1,535,000 | $170,000 | $315,000 | $60,000 | $91,000 |
| Not Provided | 7 | $1,345,000 | $192,000 | $295,000 | $78,000 | $103,000 |
| 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) | 71 | $12,515,000 | $176,000 | $415,000 | $89,000 | $321,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $365,000 | $73,000 | $85,000 | $40,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 5 | $715,000 | $143,000 | $235,000 | $53,000 | $57,000 |
| FHA-insured (Federal Housing Administration) | 3 | $405,000 | $135,000 | $165,000 | $66,000 | $80,000 |
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 | 47 | $7,555,000 | $160,000 | $345,000 | $86,000 | $321,000 |
| Application Denied By Financial Institution | 13 | $2,085,000 | $160,000 | $415,000 | $64,000 | $109,000 |
| Loan Purchased By The Institution | 12 | $2,220,000 | $185,000 | $335,000 | $76,000 | $117,000 |
| Application Withdrawn By Applicant | 8 | $1,440,000 | $180,000 | $275,000 | $102,000 | $261,000 |
| File Closed For Incompleteness | 4 | $700,000 | $175,000 | $225,000 | $98,000 | $136,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 67 | $11,175,000 | $166,000 | $345,000 | $89,000 | $321,000 |
| Debt-To-Income Ratio | 8 | $1,620,000 | $202,000 | $415,000 | $65,000 | $117,000 |
| Credit History | 6 | $850,000 | $141,000 | $285,000 | $70,000 | $109,000 |
| Collateral | 3 | $355,000 | $118,000 | $185,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
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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