Day County, SD Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 260 mortgage applications in Day County, SD totaling $18.2 million, down 7% from 2003. The average application was for $69,000, and applicants reported an average income of $72,000. 58% of applications resulted in an originated loan and 20% were denied. The most active lender was Dacotah Bank, with 78 applications, followed by Wells Fargo Bank, NA 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 | 260 |
| Total Mortgage Loan Application Amount | $18,167,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $1,076,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $2,089,000 |
| 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 |
* | $ 768,367,000 | 78 | $ 4,827,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 21 | $ 2,035,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 18 | $ 1,314,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 916,388,000 | 12 | $ 785,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 10 | $ 456,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 368,270,000 | 9 | $ 122,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 9 | $ 783,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 7 | $ 159,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 7 | $ 729,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 232,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 430,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 12,620,187,000 | 6 | $ 602,000 |
| Tcf Mortgage Corporation 801 MARQUETTE AVENUE (002-01-P) MINNEAPOLIS, MN 55402 |
* | $ 3,586,805,000 | 5 | $ 448,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 4 | $ 456,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 4 | $ 430,000 |
| First Savings Bank 201 NORTH 3RD ST BERESFORD, SD 57004 |
* | $ 378,697,000 | 4 | $ 96,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 4 | $ 118,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 186,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 831,281,000 | 3 | $ 340,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 786,130,000 | 3 | $ 230,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 3 | $ 155,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 2 | $ 112,000 |
| Associated Bank Minnesota, N.A 1801 RIVERSIDE AV MINNEAPOLIS, MN 55454 |
* | $ 1,953,370,000 | 2 | $ 204,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 134,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 365,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 108,000 |
| Security Mortgage Corporation 100 N. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 30,000,000 | 2 | $ 297,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 2 | $ 99,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 517,519,000 | 2 | $ 128,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 2 | $ 146,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 2 | $ 89,000 |
| Voyager Bank 775 PRAIRIE CENTER DRIVE EDEN PRAIRIE, MN 55344 |
* | $ 367,518,000 | 1 | $ 145,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 107,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 866,244,000 | 1 | $ 207,000 |
| Wells Fargo Fin'l South Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 22,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 145,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 1 | $ 250,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 904,406,000 | 1 | $ 108,000 |
| Sioux Empire 5010 S SOLBERG AVE SIOUX FALLS, SD 57108 |
* | $ 41,622,000 | 1 | $ 9,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 45,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 1 | $ 60,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 79,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 560,213,000 | 1 | $ 65,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 28,000 |
The tables below break down 2004 mortgage applications in Day 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 Day County, SD in 2004
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 | 160 | $12,687,000 | $79,000 | $1,076,000 | $87,000 | $2,089,000 |
| Home Purchase | 77 | $4,965,000 | $64,000 | $278,000 | $55,000 | $768,000 |
| Home Improvement | 23 | $515,000 | $22,000 | $44,000 | $50,000 | $165,000 |
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 | 207 | $13,388,000 | $64,000 | $425,000 | $78,000 | $2,089,000 |
| Not applicable | 33 | $3,371,000 | $102,000 | $1,076,000 | $0 | $0 |
| Not Provided | 12 | $896,000 | $74,000 | $165,000 | $57,000 | $75,000 |
| American Indian or Alaskan Native | 3 | $198,000 | $66,000 | $160,000 | $90,000 | $180,000 |
| Hispanic | 3 | $126,000 | $42,000 | $52,000 | $127,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $143,000 | $143,000 | $143,000 | $69,000 | $69,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $76,000 | $76,000 |
| Asian | 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) | 251 | $17,473,000 | $69,000 | $1,076,000 | $75,000 | $2,089,000 |
| FHA-insured (Federal Housing Administration) | 5 | $478,000 | $95,000 | $112,000 | $43,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $176,000 | $58,000 | $83,000 | $29,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 1 | $40,000 | $40,000 | $40,000 | $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 | 151 | $10,798,000 | $71,000 | $1,076,000 | $106,000 | $2,089,000 |
| Application Denied By Financial Institution | 52 | $3,062,000 | $58,000 | $250,000 | $58,000 | $840,000 |
| Application Withdrawn By Applicant | 22 | $1,511,000 | $68,000 | $143,000 | $44,000 | $96,000 |
| Loan Purchased By The Institution | 17 | $1,369,000 | $80,000 | $160,000 | $17,000 | $66,000 |
| Application Approved But Not Accepted | 13 | $1,181,000 | $90,000 | $184,000 | $61,000 | $173,000 |
| File Closed For Incompleteness | 5 | $246,000 | $49,000 | $84,000 | $56,000 | $75,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 15 | $952,000 | $63,000 | $160,000 | $89,000 | $840,000 |
| Credit History | 9 | $563,000 | $62,000 | $250,000 | $52,000 | $102,000 |
| Collateral | 8 | $438,000 | $54,000 | $121,000 | $44,000 | $76,000 |
| Credit Application Incomplete | 6 | $498,000 | $83,000 | $143,000 | $47,000 | $96,000 |
| Debt-To-Income Ratio | 3 | $109,000 | $36,000 | $80,000 | $27,000 | $73,000 |
| Unverifiable Information | 2 | $173,000 | $86,000 | $116,000 | $84,000 | $96,000 |
| Employment History | 1 | $6,000 | $6,000 | $6,000 | $10,000 | $10,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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