Clark County, SD Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 153 mortgage applications in Clark County, SD totaling $7.2 million. The average application was for $47,000, and applicants reported an average income of $36,000. 65% of applications resulted in an originated loan and 19% were denied. The most active lender was Dacotah Bank, with 70 applications, followed by Wells Fargo Home Mortgage and Tcf Mortgage Corporation.
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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 | 153 |
| Total Mortgage Loan Application Amount | $7,244,000 |
| Average Mortgage Loan Application Amount | $47,000 |
| Highest Mortgage Loan Application Amount | $229,000 |
| Average Applicant Income | $36,000 |
| Highest Applicant Income | $172,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 717,205,000 | 70 | $ 2,651,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 11 | $ 609,000 |
| Tcf Mortgage Corporation 801 MARQUETTE AVENUE (002-01-P) MINNEAPOLIS, MN 55402 |
* | $ 3,586,805,000 | 10 | $ 580,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 6 | $ 333,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 5 | $ 221,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 4 | $ 265,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 4 | $ 131,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 3 | $ 115,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 3 | $ 255,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 3 | $ 107,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 2 | $ 89,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 2 | $ 141,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 2 | $ 94,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 35,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 595,406,000 | 2 | $ 84,000 |
| Wells Fargo Bank South Dakota 4406 PIEDRAS DR W, A SEFCIK, T5600-021 SAN ANTONIO, TX 78228 |
* | $ 9,239,090,000 | 2 | $ 43,000 |
| Wells Fargo Fin'l South Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 18,988,174,000 | 2 | $ 35,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 1 | $ 40,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,366,324,000 | 1 | $ 118,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 2,437,029,000 | 1 | $ 55,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 46,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 803,735,000 | 1 | $ 200,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 1 | $ 16,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 52,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 52,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 1 | $ 44,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 5,302,153,000 | 1 | $ 200,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,098,467,000 | 1 | $ 22,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 1 | $ 27,000 |
| Community First National Bank 520 MAIN AVENUE FARGO, ND 58124 |
* | $ 5,783,567,000 | 1 | $ 40,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 341,997,000 | 1 | $ 7,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 59,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 102,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 119,000 |
The tables below break down 2003 mortgage applications in Clark 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 Clark County, SD in 2003
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 (home purchase or home improvement, one-to-four family) | 84 | $4,305,000 | $51,000 | $229,000 | $40,000 | $101,000 |
| Home Purchase (one-to-four family) | 55 | $2,764,000 | $50,000 | $118,000 | $28,000 | $172,000 |
| Home Improvement (one-to-four family) | 14 | $175,000 | $12,000 | $35,000 | $30,000 | $52,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 134 | $6,406,000 | $47,000 | $229,000 | $35,000 | $172,000 |
| Information not provided by applicant in mail or telephone application | 11 | $450,000 | $40,000 | $85,000 | $44,000 | $87,000 |
| Not applicable | 3 | $160,000 | $53,000 | $70,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $71,000 | $35,000 | $55,000 | $48,000 | $49,000 |
| Asian or Pacific Islander | 1 | $51,000 | $51,000 | $51,000 | $35,000 | $35,000 |
| Black | 1 | $76,000 | $76,000 | $76,000 | $28,000 | $28,000 |
| Hispanic | 1 | $30,000 | $30,000 | $30,000 | $63,000 | $63,000 |
| Other | 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) | 142 | $6,587,000 | $46,000 | $229,000 | $38,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $411,000 | $58,000 | $88,000 | $15,000 | $41,000 |
| VA-guaranteed (Veterans Administration) | 3 | $191,000 | $63,000 | $76,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 1 | $55,000 | $55,000 | $55,000 | $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 | 100 | $4,355,000 | $43,000 | $229,000 | $39,000 | $172,000 |
| Application Denied By Financial Institution | 29 | $1,288,000 | $44,000 | $119,000 | $33,000 | $87,000 |
| Application Withdrawn By Applicant | 10 | $665,000 | $66,000 | $200,000 | $47,000 | $101,000 |
| Loan Purchased By The Institution | 10 | $695,000 | $69,000 | $200,000 | $18,000 | $94,000 |
| Application Approved But Not Accepted | 4 | $241,000 | $60,000 | $125,000 | $42,000 | $60,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $258,000 | $43,000 | $118,000 | $26,000 | $64,000 |
| Other | 4 | $147,000 | $36,000 | $71,000 | $41,000 | $49,000 |
| Credit Application Incomplete | 3 | $260,000 | $86,000 | $119,000 | $51,000 | $55,000 |
| Debt-To-Income Ratio | 2 | $166,000 | $83,000 | $118,000 | $26,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $43,000 | $21,000 | $32,000 | $32,000 | $32,000 |
| Employment History | 1 | $17,000 | $17,000 | $17,000 | $33,000 | $33,000 |
| Collateral | 1 | $52,000 | $52,000 | $52,000 | $0 | $0 |
| Mortgage Insurance Denied | 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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