Clay County, SD Mortgage Lenders & HMDA Data, 2003

In 2003, lenders reported 796 mortgage applications in Clay County, SD totaling $71.0 million. The average application was for $89,000, and applicants reported an average income of $59,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Home Mortgage, with 160 applications, followed by First National Bank-Brookings and Washington Mutual Bank.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in South Dakota.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 796
Total Mortgage Loan Application Amount $70,955,000
Average Mortgage Loan Application Amount $89,000
Highest Mortgage Loan Application Amount $1,200,000
Average Applicant Income $59,000
Highest Applicant Income $780,000

Mortgage Company List for Lending in Clay County, SD for 2003

* 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
Wells Fargo Home Mortgage
1 HOME CAMPUS, X9902-1R
DES MOINES, IA 50328
* $ 35,000,000,000 160 $ 15,771,000
First National Bank-Brookings
PO BOX G
GARRETSON, SD 57030
* $ 531,412,000 108 $ 7,040,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 236,422,336,000 100 $ 9,447,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ 10,000,000 21 $ 2,385,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 20 $ 2,266,000
Equity One
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 10,538,602,000 19 $ 1,845,000
Wells Fargo Bank South Dakota
4406 PIEDRAS DR W, A SEFCIK, T5600-021
SAN ANTONIO, TX 78228
* $ 9,239,090,000 19 $ 1,354,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 58,034,697,000 17 $ 1,466,000
Community First National Bank
520 MAIN AVENUE
FARGO, ND 58124
* $ 5,783,567,000 16 $ 1,118,000
Beneficial
140 INDUSTRIAL DRIVE
ELMHURST, IL 60126
* $ 10,000,000 16 $ 1,434,000
Cortrust Bank
100 EAST HAVENS
MITCHELL, SD 57301
* $ 341,997,000 14 $ 664,000
Tcf Mortgage Corporation
801 MARQUETTE AVENUE (002-01-P)
MINNEAPOLIS, MN 55402
* $ 3,586,805,000 14 $ 1,606,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 1,098,467,000 13 $ 571,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 13 $ 1,033,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 13 $ 1,630,000
Principal Residential Mortgage
ONE COURT SQUARE, 45TH FLOOR
LONG ISLAND CITY, NY 11120
* $ 10,000,000 13 $ 1,292,000
Security Mortgage Corporation
100 N. PHILLIPS AVENUE
SIOUX FALLS, SD 57104
* $ 30,000,000 10 $ 859,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 183,712,000,000 10 $ 582,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 2,437,029,000 9 $ 518,000
Homeowners Loan Corporation
4501 CIRCLE 75 PARKWAY, SUITE D-4300
ATLANTA, GA 30339
* $ 1,840,459,615,000 9 $ 686,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 565,382,000,000 8 $ 1,576,000
Wells Fargo Fin'l South Dakota
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 18,988,174,000 8 $ 400,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 32,738,033,000 7 $ 467,000
National City Mortgage Corpora
1900 E9TH STREET LOCATOR 01-3013
CLEVELAND, OH 44114
* $ 12,000,000,000 7 $ 442,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 494,000
First American Bank & Trust
133 S. MAIN
SIOUX FALLS, SD 57101
* $ 126,665,000 5 $ 310,000
Citifinancial Mortgage Company
1111 NORTHPOINT DRIVE
COPPELL, TX 75019
* $ 1,097,190,000,000 5 $ 286,000
Union Planters Bank
P.O. BOX 10247
BIRMINGHAM, AL 35202
* $ 33,756,573,000 5 $ 464,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 5 $ 354,000
E-Loan, Inc.
6230 STONERIDGE MALL ROAD
PLEASANTON, CA 94588
* $ 10,000,000 4 $ 500,000
Home Federal Bank
P.O. BOX 5000
SIOUX FALLS, SD 57117
* $ 803,735,000 4 $ 469,000
Irwin Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 47037
* $ 4,567,878,000 3 $ 307,000
Mortgage Lenders Network USA
213 COURT STREET
MIDDLETOWN, CT 06457
* $ 10,000,000 3 $ 275,000
Citimortgage, Inc
1 COURT SQUARE, 45TH FLOOR, ZONE 15
LONG ISLAND CITY, NY 11120
* $ 281,018,000,000 3 $ 281,000
Conseco Bank, Inc.
2825 E. COTTONWOOD PARKWAY, SUITE 230
SALT LAKE CITY, UT 84121
* $ 3,042,016,000 3 $ 325,000
Bank One, NA
45303 VAN DYKE SUITE 9048
UTICA, MI 48317
* $ 53,001,000,000 3 $ 216,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 300,000
Citibank, FSB
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 23,205,467,000 3 $ 213,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,097,190,000,000 3 $ 67,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 4,586,886,000 3 $ 294,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 115,148,694,000 3 $ 434,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 218,000
Watermark Financial Partners
4582 S ULSTER ST, SUITE 300
DENVER, CO 80237
* $ 10,000,000 3 $ 285,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 176,049,792,000 3 $ 252,000
Sovereign Bank
1130 BERKSHIRE BOULEVARD
WYOMISSING, PA 19610
* $ 39,750,759,000 2 $ 44,000
The Security National Bank of Sioux City, Iowa
601 PIERCE STREET
SIOUX CITY, IA 51101
* $ 571,301,000 2 $ 184,000
Valley Bank, N.A.
4619 E. ARROWHEAD PKWY
SIOUX FALLS, SD 57110
* $ 69,292,000 2 $ 271,000
BNC Mortgage
1901 MAIN ST
IRVINE, CA 92614
* $ 10,000,000 2 $ 129,000
Aames Funding Corporation
15090 AVENUE OF SCIENCE
SAN DIEGO, CA 92128
* $ 10,000,000 2 $ 252,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 2 $ 283,000
American Home Mortgage Corp.
538 BROADHOLLOW RD
MELVILLE, NY 11747
* $ 10,000,000 2 $ 111,000
Gmac Bank
4 WALNUT GROVE
HORSHAM, PA 19044
* $ 2,448,525,000 2 $ 186,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 163,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 11,370,323,000 2 $ 107,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,059,670,000 2 $ 181,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 2 $ 120,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 17,573,420,000 2 $ 140,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 8,190,484,000 2 $ 243,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 1 $ 84,000
Full Spectrum Lending
35 N. LAKE AVENUE MS 55-11
PASADENA, CA 91101
* $ 58,034,697,000 1 $ 54,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 595,406,000 1 $ 92,000
H&R Block Mortgage Corporation
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 79,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 23,392,515,000 1 $ 25,000
First National Bank
111 CENTRAL AVE NW
LE MARS, IA 51031
* $ 124,017,000 1 $ 84,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 5,302,153,000 1 $ 63,000
Keybank USA, N.A.
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 8,943,095,000 1 $ 11,000
Landmark Community Bank N.A.
711 6TH AVE NE
ISANTI, MN 55040
* $ 76,789,000 1 $ 1,200,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 1 $ 134,000
HSBC Bank, USA
ONE HSBC CENTER/24TH FLOOR
BUFFALO, NY 14203
* $ 86,415,769,000 1 $ 197,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 9,508,220,000 1 $ 74,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 11,903,989,000 1 $ 68,000
Novastar Home Mortgage, Inc.
8140 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 10,000,000 1 $ 65,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 1 $ 195,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 11,000
Paragon Home Lending, LLC
19435 W. CAPITOL DRIVE, SUITE 201
BROOKFIELD, WI 53045
* $ 10,000,000 1 $ 56,000
Priceline Mortgage Company LLC
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 75,254,000 1 $ 55,000
Rbmg, Inc
7215 FINANCIAL WAY
JACKSONVILLE, FL 32256
* $ 3,000,000,000 1 $ 60,000
Majestic Mortgage
945 LAKEVIEW PARKWAY STE 170
VERNON HILLS, IL 60061
* $ 10,000,000 1 $ 68,000
Mbna America Delaware, N.A.
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 1,708,852,000 1 $ 199,000
Meritage Mortgage Corp.
7215 FINANCIAL WAY
JACKSONVILLE, FL 32256
* $ 10,000,000 1 $ 27,000
American Mortgage Express
10251 VISTA SORRENTO PARKWAY
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 61,000
Americas Moneyline
4880 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 55,000
Bank of Dixon County
117 E 3RD ST
PONCA, NE 68770
* $ 45,238,000 1 $ 106,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 1 $ 124,000
Associated Bank Minnesota, N.A
1801 RIVERSIDE AV
MINNEAPOLIS, MN 55454
* $ 1,906,951,000 1 $ 248,000
Bridge Capital Corporation
27121 TOWNE CENTRE DRIVE
FOOTHILL RANCH, CA 92610
* $ 10,000,000 1 $ 115,000
Bw Mortgage, LLC
2801 4TH AVE S, 1ST FLOOR, MAC X9902-01R
MINNEAPOLIS, MN 55408
* $ 10,000,000 1 $ 114,000
Chase Manhattan Mortgage Corp
343 THORNALL STREET
EDISON, NJ 08837
* $ 622,388,000,000 1 $ 78,000
First Horizon Home Loan Corp
4000 HORIZON WAY
IRVING, TX 75063
* $ 1,446,000,000 1 $ 135,000
First Magnus Financial Corp
603 N. WILMOT ROAD
TUCSON, AZ 85711
* $ 10,000,000 1 $ 59,000
Bank 360
P.O. BOX 791
BERESFORD, SD 57004
* $ 49,000,000 1 $ 26,000
First Franklin Financial Corp.
2150 NORTH FIRST STREET
SAN JOSE, CA 95131
* $ 592,000,000 1 $ 70,000
Commercial Federal Bank
11207 WEST DODGE ROAD 2ND FL
OMAHA, NE 68154
* $ 13,094,324,000 1 $ 93,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 44,835,341,000 1 $ 199,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 19,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 318,870,000,000 1 $ 38,000
Union Federal C/O Sky Bank
137 CLOUGH ST
BOWLING GREEN, OH 43402
* $ 3,366,324,000 1 $ 105,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 105,000
Tcf National Bank
2508 LOUISE AVE S (002-01-P)
SIOUX FALLS, SD 57106
* $ 12,307,660,000 1 $ 164,000
The First National Bank in Sioux Falls
100 S. PHILLIPS AVENUE
SIOUX FALLS, SD 57104
* $ 692,426,000 1 $ 155,000
Security Bank
100 N PHILLIPS AVE
SIOUX FALLS, SD 57104
* $ 139,532,000 1 $ 66,000
Levo Federal Credit Union
700 E 14TH STREET
SIOUX FALLS, SD 57106
* $ 80,240,000 1 $ 5,000
Siouxland Federal Credit Union
3000 PLAZA DRIVE
SO SIOUX CITY, NE 68776
* $ 91,552,000 1 $ 107,000
Wells Fargo Bank Nevada, NA
4406 PIEDRAS DR W, A SEFCIK, T5600-021
SAN ANTONIO, TX 78228
* $ 9,915,389,000 1 $ 27,000
Wells Fargo Fin'l Iowa 3, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 19,076,064,000 1 $ 62,000
Wmc Mortgage Corp.
3100 THORTON AVE
BURBANK, CA 91504
* $ 31,000,000 1 $ 170,000
Woodland Capital Corporation
2042 WOODDALE DRIVE #160
WOODBURY, MN 55125
* $ 10,000,000 1 $ 138,000

The tables below break down 2003 mortgage applications in Clay 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 Clay 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) 546 $49,913,000 $91,000 $500,000 $61,000 $780,000
Home Purchase (one-to-four family) 212 $18,865,000 $88,000 $323,000 $55,000 $493,000
Home Improvement (one-to-four family) 36 $921,000 $25,000 $160,000 $59,000 $301,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 2 $1,256,000 $628,000 $1,200,000 $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 598 $50,734,000 $84,000 $400,000 $60,000 $493,000
Information not provided by applicant in mail or telephone application 98 $8,408,000 $85,000 $500,000 $78,000 $780,000
Not applicable 74 $9,444,000 $127,000 $1,200,000 $4,000 $107,000
American Indian or Alaskan Native 10 $857,000 $85,000 $248,000 $56,000 $168,000
Asian or Pacific Islander 6 $762,000 $127,000 $149,000 $53,000 $79,000
Black 4 $233,000 $58,000 $88,000 $33,000 $60,000
Hispanic 3 $309,000 $103,000 $139,000 $42,000 $126,000
Other 3 $208,000 $69,000 $102,000 $90,000 $180,000

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) 755 $67,309,000 $89,000 $1,200,000 $63,000 $780,000
FHA-insured (Federal Housing Administration) 20 $1,737,000 $86,000 $119,000 $21,000 $90,000
VA-guaranteed (Veterans Administration) 15 $1,483,000 $98,000 $177,000 $10,000 $64,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $426,000 $71,000 $105,000 $29,000 $52,000

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 441 $37,635,000 $85,000 $1,200,000 $64,000 $493,000
Loan Purchased By The Institution 136 $13,460,000 $98,000 $400,000 $27,000 $201,000
Application Denied By Financial Institution 121 $10,303,000 $85,000 $318,000 $68,000 $780,000
Application Withdrawn By Applicant 51 $5,088,000 $99,000 $500,000 $39,000 $135,000
Application Approved But Not Accepted 38 $3,461,000 $91,000 $301,000 $77,000 $200,000
File Closed For Incompleteness 9 $1,008,000 $112,000 $195,000 $79,000 $148,000

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 25 $1,878,000 $75,000 $199,000 $58,000 $264,000
Credit Application Incomplete 20 $2,328,000 $116,000 $300,000 $152,000 $780,000
Other 20 $1,584,000 $79,000 $199,000 $55,000 $336,000
Collateral 14 $1,116,000 $79,000 $160,000 $58,000 $86,000
Debt-To-Income Ratio 8 $408,000 $51,000 $104,000 $30,000 $68,000
Unverifiable Information 2 $278,000 $139,000 $170,000 $22,000 $45,000
Insufficient Cash (Downpayment, Closing Cost) 1 $27,000 $27,000 $27,000 $132,000 $132,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment 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.

Download the South Dakota Lender List