Clay County, SD Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 573 mortgage applications in Clay County, SD totaling $71.5 million, down 14% from 2009. The average application was for $124,000, and applicants reported an average income of $80,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank, NA, with 97 applications, followed by First Dakota National Bak and First Bank & Trust.
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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 | 573 |
| Total Mortgage Loan Application Amount | $71,486,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,490,000 |
* 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 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 97 | $ 12,457,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 754,492,000 | 68 | $ 9,823,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 853,905,000 | 63 | $ 5,426,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 41 | $ 5,457,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 37 | $ 4,627,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 36 | $ 4,615,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 400,559,000 | 26 | $ 3,781,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 25 | $ 2,953,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 22 | $ 2,635,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 20 | $ 2,631,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 17 | $ 2,471,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,597,000 | 12 | $ 882,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 9 | $ 1,598,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 692,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,030,702,000 | 6 | $ 523,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 682,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 595,554,000 | 6 | $ 337,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 5 | $ 567,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 1,141,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 239,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 4 | $ 827,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,121,795,000 | 4 | $ 608,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 4 | $ 282,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 749,809,000 | 3 | $ 123,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 409,064,000 | 3 | $ 809,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,652,838,000 | 3 | $ 359,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 210,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 3 | $ 452,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 564,000 |
| Bank 360 P.O. BOX 791 BERESFORD, SD 57004 |
* | $ 44,900,000 | 3 | $ 256,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 334,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 257,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 194,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 210,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 8,806,851,000 | 2 | $ 328,000 |
| First Nat'l Bank of S Dakota 332 BROADWAY YANKTON, SD 57078 |
* | $ 431,370,000 | 2 | $ 76,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 180,647,000 | 2 | $ 257,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 10,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 47,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 174,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 141,591,000 | 1 | $ 189,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 658,937,000 | 1 | $ 267,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 93,195,000 | 1 | $ 160,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 27,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 119,000 |
| Lincoln Federal Savings Bank 1101 N STREET LINCOLN, NE 68508 |
* | $ 356,304,000 | 1 | $ 160,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 180,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 117,000 |
| First Savings Bank 201 NORTH 3RD ST BERESFORD, SD 57004 |
* | $ 451,277,000 | 1 | $ 200,000 |
The tables below break down 2010 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 2010
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 | 299 | $40,544,000 | $135,000 | $1,200,000 | $79,000 | $805,000 |
| Home Purchase | 232 | $29,314,000 | $126,000 | $675,000 | $84,000 | $1,490,000 |
| Home Improvement | 42 | $1,628,000 | $38,000 | $216,000 | $59,000 | $188,000 |
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 | 473 | $58,474,000 | $123,000 | $1,200,000 | $87,000 | $1,490,000 |
| Not applicable | 62 | $8,240,000 | $132,000 | $675,000 | $29,000 | $295,000 |
| Not Provided | 22 | $2,983,000 | $135,000 | $600,000 | $75,000 | $154,000 |
| Asian | 6 | $760,000 | $126,000 | $341,000 | $65,000 | $202,000 |
| Hispanic | 4 | $515,000 | $128,000 | $219,000 | $101,000 | $230,000 |
| Black or African American | 3 | $103,000 | $34,000 | $75,000 | $27,000 | $37,000 |
| American Indian or Alaskan Native | 2 | $324,000 | $162,000 | $162,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $87,000 | $87,000 | $87,000 | $31,000 | $31,000 |
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) | 425 | $51,261,000 | $120,000 | $1,200,000 | $90,000 | $1,490,000 |
| FHA-insured (Federal Housing Administration) | 86 | $11,395,000 | $132,000 | $266,000 | $52,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,059,000 | $115,000 | $172,000 | $43,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,771,000 | $176,000 | $600,000 | $53,000 | $127,000 |
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 | 325 | $40,997,000 | $126,000 | $1,200,000 | $93,000 | $1,490,000 |
| Loan Purchased By The Institution | 109 | $14,574,000 | $133,000 | $266,000 | $50,000 | $295,000 |
| Application Denied By Financial Institution | 73 | $7,721,000 | $105,000 | $417,000 | $70,000 | $480,000 |
| Application Approved But Not Accepted | 32 | $3,078,000 | $96,000 | $157,000 | $77,000 | $147,000 |
| Application Withdrawn By Applicant | 26 | $3,617,000 | $139,000 | $285,000 | $76,000 | $203,000 |
| File Closed For Incompleteness | 8 | $1,499,000 | $187,000 | $600,000 | $68,000 | $170,000 |
| 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 | 18 | $1,830,000 | $101,000 | $415,000 | $73,000 | $480,000 |
| Debt-To-Income Ratio | 17 | $1,444,000 | $84,000 | $172,000 | $39,000 | $119,000 |
| Collateral | 14 | $2,173,000 | $155,000 | $417,000 | $88,000 | $251,000 |
| Other | 10 | $1,145,000 | $114,000 | $164,000 | $107,000 | $170,000 |
| Credit Application Incomplete | 5 | $417,000 | $83,000 | $115,000 | $90,000 | $129,000 |
| Employment History | 2 | $129,000 | $64,000 | $80,000 | $34,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $100,000 | $100,000 | $100,000 | $54,000 | $54,000 |
| 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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