Campbell County, SD Mortgage Lenders & HMDA Data, 2006

In 2006, lenders reported 48 mortgage applications in Campbell County, SD totaling $3.5 million, up 55% from 2005. The average application was for $72,000, and applicants reported an average income of $110,000. 42% of applications resulted in an originated loan and 12% were denied. The most active lender was Beneficial Company LLC, with 7 applications, followed by Wells Fargo Bank, NA and Home Federal Bank.

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Total Number of Mortgage Applications 48
Total Mortgage Loan Application Amount $3,499,000
Average Mortgage Loan Application Amount $72,000
Highest Mortgage Loan Application Amount $178,000
Average Applicant Income $110,000
Highest Applicant Income $1,980,000

Mortgage Company List for Lending in Campbell County, SD for 2006

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 7 $ 537,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 403,258,000,000 6 $ 362,000
Home Federal Bank
P.O. BOX 5000
SIOUX FALLS, SD 57117
* $ 930,865,000 5 $ 310,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 536,513,000 5 $ 421,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 40,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,082,250,290,000 2 $ 93,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000 2 $ 59,000
Draper and Kramer Mortgage Cor
400 QUADRANGLE DR. STE A
BOLINGBROOK, IL 60440
* $ 10,000,000 2 $ 284,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 1,165,210,000 2 $ 66,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 2 $ 121,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 177,231,290,000 1 $ 79,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 175,085,370,000 1 $ 74,000
F-M Mortgage Corporation
801 10TH STREET S, SUITE 100
FARGO, ND 58103
* $ 10,000,000 1 $ 178,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 1 $ 60,000
Eagle Home Mortgage, LLC
301 116TH AVENUE SE #400
BELLEVUE, WA 98004
* $ 10,000,000 1 $ 174,000
Home Capital, Inc.
5909 PEACHTREE-DUNWOODY ROAD NE, STE 100
ATLANTA, GA 30328
* $ 5,165,631,000 1 $ 96,000
United Financial Mortgage Corp
815 COMMERCE DRIVE SUITE 100
OAK BROOK, IL 60523
* $ 10,000,000 1 $ 74,000
Mortgage It Inc
60 WALL ST
NEW YORK, NY 10005
* $ 10,000,000 1 $ 42,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 1 $ 46,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 2,429,481,000 1 $ 76,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,013,985,000,000 1 $ 178,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 69,482,177,000 1 $ 112,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000,000 1 $ 17,000

The tables below break down 2006 mortgage applications in Campbell 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 Campbell County, SD in 2006

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 32 $2,089,000 $65,000 $172,000 $126,000 $1,980,000
Home Purchase 15 $1,400,000 $93,000 $178,000 $80,000 $222,000
Home Improvement 1 $10,000 $10,000 $10,000 $48,000 $48,000

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 36 $2,985,000 $82,000 $178,000 $134,000 $1,980,000
Not Provided 6 $177,000 $29,000 $40,000 $46,000 $109,000
Not applicable 5 $296,000 $59,000 $112,000 $33,000 $68,000
American Indian or Alaskan Native 1 $41,000 $41,000 $41,000 $28,000 $28,000
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 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) 43 $3,109,000 $72,000 $178,000 $118,000 $1,980,000
FHA-insured (Federal Housing Administration) 3 $120,000 $40,000 $46,000 $34,000 $58,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $270,000 $135,000 $178,000 $61,000 $71,000
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 20 $1,439,000 $71,000 $178,000 $66,000 $222,000
Loan Purchased By The Institution 9 $696,000 $77,000 $172,000 $73,000 $224,000
Application Denied By Financial Institution 6 $477,000 $79,000 $122,000 $77,000 $174,000
Application Withdrawn By Applicant 5 $479,000 $95,000 $174,000 $90,000 $174,000
Application Approved But Not Accepted 5 $227,000 $45,000 $76,000 $48,000 $75,000
File Closed For Incompleteness 3 $181,000 $60,000 $92,000 $719,000 $1,980,000
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
Debt-To-Income Ratio 2 $193,000 $96,000 $110,000 $25,000 $45,000
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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 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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