Clay County, SD Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 437 mortgage applications in Clay County, SD totaling $62.6 million, down 24% from 2010. The average application was for $143,000, and applicants reported an average income of $79,000. 55% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank NA, with 72 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 | 437 |
| Total Mortgage Loan Application Amount | $62,638,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $1,471,000 |
* 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 MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 72 | $ 11,878,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 787,708,000 | 56 | $ 8,903,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 808,857,000 | 46 | $ 7,002,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 31 | $ 5,325,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 29 | $ 3,826,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 28 | $ 3,515,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 27 | $ 3,718,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 18 | $ 1,990,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 400,984,000 | 11 | $ 1,311,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 11 | $ 1,418,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,114,878,000 | 9 | $ 561,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 115,873,000 | 8 | $ 960,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,223,973,000 | 5 | $ 642,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 5 | $ 864,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 415,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 4 | $ 703,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 453,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 604,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 3 | $ 286,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 3 | $ 48,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 393,705,000 | 3 | $ 401,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 743,483,000 | 2 | $ 119,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 432,050,000 | 2 | $ 339,000 |
| Bank 360 P.O. BOX 791 BERESFORD, SD 57004 |
* | $ 46,284,000 | 2 | $ 259,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,801,691,000 | 2 | $ 1,089,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,093,291,000 | 2 | $ 237,000 |
| First Nat'l Bank of S Dakota 332 BROADWAY YANKTON, SD 57078 |
* | $ 398,554,000 | 2 | $ 98,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 186,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 218,152,000 | 2 | $ 240,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 2 | $ 156,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 298,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 98,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 173,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 90,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 107,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 12,658,976,000 | 1 | $ 170,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 622,931,000 | 1 | $ 11,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 153,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 1 | $ 173,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 96,000 |
| The Security National Bank of Sioux City, Iowa 601 PIERCE STREET SIOUX CITY, IA 51101 |
* | $ 697,682,000 | 1 | $ 4,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 135,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 18,734,814,000 | 1 | $ 145,000 |
| Grundy National Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 180,206,000 | 1 | $ 106,000 |
| Merchants State Bank 305 S MAIN ST PO BOX 399 FREEMAN, SD 57029 |
* | $ 126,211,000 | 1 | $ 37,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 439,460,000 | 1 | $ 137,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 812,864,000 | 1 | $ 216,000 |
| Iowa - Nebraska State Bank 2021 DAKOTA AVENUE SOUTH SIOUX CITY, NE 68776 |
* | $ 191,267,000 | 1 | $ 1,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,257,808,000 | 1 | $ 106,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 418,583,000 | 1 | $ 56,000 |
| Pinnacle Bank Sioux City 1901 MORNINGSIDE AVENUE SIOUX CITY, IA 51106 |
* | $ 63,603,000 | 1 | $ 73,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,311,651,000 | 1 | $ 148,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 394,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 176,000 |
| Siouxland Federal Credit Union 3000 PLAZA DRIVE SO SIOUX CITY, NE 68776 |
* | $ 137,878,000 | 1 | $ 125,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 417,000 |
The tables below break down 2011 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 2011
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 | 271 | $41,238,000 | $152,000 | $1,650,000 | $84,000 | $729,000 |
| Home Purchase | 136 | $19,045,000 | $140,000 | $1,400,000 | $78,000 | $1,471,000 |
| Home Improvement | 30 | $2,355,000 | $78,000 | $825,000 | $40,000 | $116,000 |
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 | 357 | $47,653,000 | $133,000 | $1,400,000 | $86,000 | $1,471,000 |
| Not applicable | 47 | $10,842,000 | $230,000 | $1,650,000 | $14,000 | $285,000 |
| Not Provided | 21 | $2,532,000 | $120,000 | $300,000 | $81,000 | $729,000 |
| Asian | 7 | $1,006,000 | $143,000 | $250,000 | $72,000 | $100,000 |
| Black or African American | 3 | $493,000 | $164,000 | $204,000 | $145,000 | $160,000 |
| Hispanic | 2 | $112,000 | $56,000 | $63,000 | $248,000 | $304,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 340 | $50,540,000 | $148,000 | $1,650,000 | $86,000 | $1,471,000 |
| FHA-insured (Federal Housing Administration) | 51 | $6,239,000 | $122,000 | $258,000 | $55,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,757,000 | $106,000 | $175,000 | $41,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,102,000 | $155,000 | $391,000 | $65,000 | $325,000 |
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 | 242 | $34,290,000 | $141,000 | $1,556,000 | $86,000 | $1,471,000 |
| Loan Purchased By The Institution | 77 | $9,848,000 | $127,000 | $277,000 | $50,000 | $285,000 |
| Application Denied By Financial Institution | 58 | $8,961,000 | $154,000 | $1,650,000 | $77,000 | $468,000 |
| Application Approved But Not Accepted | 33 | $4,196,000 | $127,000 | $417,000 | $92,000 | $498,000 |
| Application Withdrawn By Applicant | 23 | $4,804,000 | $208,000 | $1,400,000 | $95,000 | $729,000 |
| File Closed For Incompleteness | 4 | $539,000 | $134,000 | $180,000 | $61,000 | $90,000 |
| 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 | 14 | $1,897,000 | $135,000 | $250,000 | $82,000 | $276,000 |
| Collateral | 14 | $3,131,000 | $223,000 | $1,650,000 | $98,000 | $276,000 |
| Credit History | 13 | $1,454,000 | $111,000 | $329,000 | $67,000 | $212,000 |
| Other | 5 | $1,319,000 | $263,000 | $725,000 | $44,000 | $77,000 |
| Unverifiable Information | 2 | $231,000 | $115,000 | $153,000 | $21,000 | $42,000 |
| Employment History | 1 | $94,000 | $94,000 | $94,000 | $13,000 | $13,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $130,000 | $130,000 | $130,000 | $74,000 | $74,000 |
| Mortgage Insurance Denied | 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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