Day County, SD Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 216 mortgage applications in Day County, SD totaling $27.3 million, down 1% from 2011. The average application was for $126,000, and applicants reported an average income of $77,000. 69% of applications resulted in an originated loan and 12% were denied. The most active lender was Dacotah Bank, with 70 applications, followed by Cortrust Mortgage, Inc. and Wells Fargo Bank NA.
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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 | 216 |
| Total Mortgage Loan Application Amount | $27,331,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $723,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $781,000 |
| 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 |
* | $ 1,902,620,000 | 70 | $ 7,520,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 36 | $ 4,060,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 18 | $ 3,551,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 15 | $ 1,496,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 414,758,000 | 10 | $ 1,748,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 666,827,000 | 10 | $ 269,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 9 | $ 1,127,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 6 | $ 819,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 805,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,224,205,000 | 5 | $ 510,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 4 | $ 889,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 4 | $ 335,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,054,086,000 | 3 | $ 1,609,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 3 | $ 266,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,119,448,000 | 2 | $ 267,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 305,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 436,593,000 | 2 | $ 202,000 |
| Frontier Bank 301 1ST AVE ROCK RAPIDS, IA 51246 |
* | $ 155,634,000 | 1 | $ 175,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 439,564,000 | 1 | $ 66,000 |
| Liberty National Bank SIOUX FALLS, SD 57106 |
* | $ 231,218,000 | 1 | $ 75,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 198,000 |
| First National Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ 287,837,000 | 1 | $ 35,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 67,157,000 | 1 | $ 30,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 247,701,000 | 1 | $ 97,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 317,191,000 | 1 | $ 375,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 61,000 |
The tables below break down 2012 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 2012
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 | 135 | $19,210,000 | $142,000 | $723,000 | $84,000 | $661,000 |
| Home Purchase | 67 | $7,380,000 | $110,000 | $370,000 | $70,000 | $781,000 |
| Home Improvement | 14 | $741,000 | $52,000 | $160,000 | $50,000 | $126,000 |
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 | 189 | $23,592,000 | $124,000 | $723,000 | $84,000 | $781,000 |
| Not applicable | 18 | $2,516,000 | $139,000 | $481,000 | $13,000 | $116,000 |
| Not Provided | 3 | $560,000 | $186,000 | $377,000 | $90,000 | $100,000 |
| American Indian or Alaskan Native | 3 | $395,000 | $131,000 | $143,000 | $27,000 | $63,000 |
| Hispanic | 3 | $268,000 | $89,000 | $143,000 | $64,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 180 | $23,459,000 | $130,000 | $723,000 | $81,000 | $781,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,355,000 | $130,000 | $242,000 | $70,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,291,000 | $80,000 | $208,000 | $41,000 | $254,000 |
| VA-guaranteed (Veterans Administration) | 2 | $226,000 | $113,000 | $155,000 | $57,000 | $59,000 |
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 | 149 | $19,026,000 | $127,000 | $723,000 | $82,000 | $781,000 |
| Application Denied By Financial Institution | 25 | $2,651,000 | $106,000 | $254,000 | $84,000 | $297,000 |
| Application Approved But Not Accepted | 18 | $2,170,000 | $120,000 | $286,000 | $61,000 | $129,000 |
| Loan Purchased By The Institution | 16 | $2,295,000 | $143,000 | $329,000 | $36,000 | $154,000 |
| Application Withdrawn By Applicant | 6 | $811,000 | $135,000 | $250,000 | $74,000 | $187,000 |
| File Closed For Incompleteness | 2 | $378,000 | $189,000 | $198,000 | $108,000 | $133,000 |
| 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 | 8 | $959,000 | $119,000 | $188,000 | $84,000 | $297,000 |
| Collateral | 4 | $545,000 | $136,000 | $254,000 | $137,000 | $206,000 |
| Credit Application Incomplete | 3 | $342,000 | $114,000 | $190,000 | $84,000 | $187,000 |
| Credit History | 3 | $90,000 | $30,000 | $66,000 | $52,000 | $80,000 |
| Unverifiable Information | 2 | $90,000 | $45,000 | $69,000 | $31,000 | $42,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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