Clay County, SD Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 663 mortgage applications in Clay County, SD totaling $79.9 million, up 13% from 2008. The average application was for $120,000, and applicants reported an average income of $79,000. 52% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank, NA, with 124 applications, followed by First Dakota National Bak and Cortrust Mortgage, 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 | 663 |
| Total Mortgage Loan Application Amount | $79,897,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $970,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $1,221,000 |
* 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 Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 124 | $ 14,773,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 718,213,000 | 68 | $ 7,471,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 60 | $ 8,386,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 854,438,000 | 50 | $ 3,809,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 35 | $ 4,400,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 32 | $ 4,207,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 31 | $ 3,354,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 23 | $ 2,895,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 369,650,000 | 18 | $ 2,484,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 362,147,000 | 17 | $ 2,757,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 17 | $ 2,015,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 943,441,000 | 15 | $ 1,202,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 15 | $ 1,768,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 14 | $ 698,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 538,936,000 | 12 | $ 520,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 10 | $ 1,108,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 10 | $ 1,362,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 9 | $ 1,249,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 8 | $ 1,146,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,207,000 | 7 | $ 947,000 |
| First Nat'l Bank of S Dakota 332 BROADWAY YANKTON, SD 57078 |
* | $ 475,209,000 | 6 | $ 2,204,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 5 | $ 753,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 5 | $ 930,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 613,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 693,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 342,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 740,031,000 | 3 | $ 82,000 |
| Bank 360 P.O. BOX 791 BERESFORD, SD 57004 |
* | $ 42,450,000 | 3 | $ 540,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,585,164,000 | 3 | $ 370,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 3 | $ 590,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 756,287,000 | 3 | $ 503,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 123,450,000 | 3 | $ 426,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 3 | $ 445,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 425,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 2 | $ 245,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 490,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 695,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 4,294,977,000 | 2 | $ 106,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 2 | $ 67,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 120,000 |
| Minnwest Mortgage Corporation 5324 EAST ARROWHEAD PKY, SUITE 102 SIOUX FALLS, SD 57110 |
* | $ 1,693,099,000 | 1 | $ 46,000 |
| Rivers Edge Bank 211 N BROADWAY MARION, SD 57043 |
* | $ 63,556,000 | 1 | $ 82,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 175,104,000 | 1 | $ 173,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 151,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 92,000 |
| Merchants State Bank 305 S MAIN ST PO BOX 399 FREEMAN, SD 57029 |
* | $ 114,733,000 | 1 | $ 8,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 164,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,901,044,000 | 1 | $ 88,000 |
| Security National Bank 202 E. 2ND STREET LAUREL, NE 68745 |
* | $ 135,233,000 | 1 | $ 120,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 3,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 35,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 181,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 102,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 58,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 5,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 111,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 88,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 162,000 |
The tables below break down 2009 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 2009
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 | 345 | $46,073,000 | $133,000 | $970,000 | $84,000 | $1,221,000 |
| Home Purchase | 268 | $31,364,000 | $117,000 | $620,000 | $73,000 | $594,000 |
| Home Improvement | 50 | $2,460,000 | $49,000 | $180,000 | $71,000 | $180,000 |
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 | 511 | $61,248,000 | $119,000 | $970,000 | $84,000 | $1,221,000 |
| Not applicable | 97 | $12,222,000 | $126,000 | $620,000 | $51,000 | $250,000 |
| Not Provided | 24 | $2,524,000 | $105,000 | $218,000 | $72,000 | $250,000 |
| Asian | 17 | $2,160,000 | $127,000 | $240,000 | $84,000 | $184,000 |
| Hispanic | 7 | $597,000 | $85,000 | $156,000 | $76,000 | $132,000 |
| American Indian or Alaskan Native | 7 | $1,146,000 | $163,000 | $186,000 | $73,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 494 | $57,521,000 | $116,000 | $970,000 | $87,000 | $1,221,000 |
| FHA-insured (Federal Housing Administration) | 116 | $15,113,000 | $130,000 | $256,000 | $57,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,303,000 | $113,000 | $188,000 | $28,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 24 | $3,960,000 | $165,000 | $293,000 | $61,000 | $111,000 |
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 | 347 | $41,061,000 | $118,000 | $970,000 | $82,000 | $1,066,000 |
| Loan Purchased By The Institution | 135 | $16,815,000 | $124,000 | $417,000 | $63,000 | $466,000 |
| Application Denied By Financial Institution | 72 | $7,661,000 | $106,000 | $620,000 | $74,000 | $1,221,000 |
| Application Approved But Not Accepted | 58 | $7,837,000 | $135,000 | $394,000 | $108,000 | $1,171,000 |
| Application Withdrawn By Applicant | 42 | $5,158,000 | $122,000 | $268,000 | $71,000 | $189,000 |
| File Closed For Incompleteness | 9 | $1,365,000 | $151,000 | $278,000 | $80,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $1,817,000 | $90,000 | $483,000 | $115,000 | $1,221,000 |
| Debt-To-Income Ratio | 16 | $1,795,000 | $112,000 | $300,000 | $37,000 | $87,000 |
| Collateral | 14 | $1,685,000 | $120,000 | $194,000 | $76,000 | $211,000 |
| Other | 3 | $825,000 | $275,000 | $620,000 | $26,000 | $40,000 |
| Unverifiable Information | 2 | $221,000 | $110,000 | $141,000 | $46,000 | $53,000 |
| Employment History | 1 | $64,000 | $64,000 | $64,000 | $9,000 | $9,000 |
| Mortgage Insurance Denied | 1 | $204,000 | $204,000 | $204,000 | $80,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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