Edmunds County, SD Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 113 mortgage applications in Edmunds County, SD totaling $15.9 million, down 24% from 2011. The average application was for $140,000, and applicants reported an average income of $107,000. 51% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank NA, with 18 applications, followed by Dacotah Bank and Great Western Bank.
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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 | 113 |
| Total Mortgage Loan Application Amount | $15,861,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $800,000 |
| 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 |
* | $ 1,161,490,000,000 | 18 | $ 2,650,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,902,620,000 | 18 | $ 2,255,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 12 | $ 1,246,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 414,758,000 | 10 | $ 1,618,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,224,205,000 | 10 | $ 1,710,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 8 | $ 981,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 6 | $ 1,102,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 5 | $ 791,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 4 | $ 216,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 428,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 115,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 666,827,000 | 2 | $ 16,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 418,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 209,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 192,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 107,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 192,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 141,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 225,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 171,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 210,000 |
| Black Hills Community Bank, NA 840 MT. RUSHMORE RD. RAPID CITY, SD 57701 |
* | $ 102,552,000 | 1 | $ 208,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 1 | $ 116,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 139,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 107,000 |
The tables below break down 2012 mortgage applications in Edmunds 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 Edmunds 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 | 71 | $11,468,000 | $161,000 | $675,000 | $128,000 | $800,000 |
| Home Purchase | 32 | $3,929,000 | $122,000 | $617,000 | $75,000 | $297,000 |
| Home Improvement | 10 | $464,000 | $46,000 | $86,000 | $64,000 | $150,000 |
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 | 103 | $14,364,000 | $139,000 | $675,000 | $115,000 | $800,000 |
| Not applicable | 7 | $1,045,000 | $149,000 | $211,000 | $15,000 | $81,000 |
| Not Provided | 3 | $452,000 | $150,000 | $275,000 | $57,000 | $65,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 100 | $14,399,000 | $143,000 | $675,000 | $116,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,332,000 | $133,000 | $211,000 | $42,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $98,000 | $49,000 | $54,000 | $35,000 | $36,000 |
| VA-guaranteed (Veterans Administration) | 1 | $32,000 | $32,000 | $32,000 | $34,000 | $34,000 |
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 | 58 | $8,025,000 | $138,000 | $675,000 | $121,000 | $800,000 |
| Application Denied By Financial Institution | 31 | $4,347,000 | $140,000 | $617,000 | $109,000 | $496,000 |
| Application Withdrawn By Applicant | 9 | $1,075,000 | $119,000 | $207,000 | $83,000 | $250,000 |
| Application Approved But Not Accepted | 8 | $1,271,000 | $158,000 | $275,000 | $73,000 | $153,000 |
| Loan Purchased By The Institution | 6 | $1,036,000 | $172,000 | $236,000 | $50,000 | $192,000 |
| File Closed For Incompleteness | 1 | $107,000 | $107,000 | $107,000 | $54,000 | $54,000 |
| 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 | 7 | $708,000 | $101,000 | $157,000 | $54,000 | $100,000 |
| Collateral | 6 | $1,679,000 | $279,000 | $617,000 | $172,000 | $259,000 |
| Debt-To-Income Ratio | 4 | $450,000 | $112,000 | $216,000 | $78,000 | $150,000 |
| Other | 2 | $475,000 | $237,000 | $250,000 | $286,000 | $496,000 |
| Unverifiable Information | 1 | $192,000 | $192,000 | $192,000 | $297,000 | $297,000 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $45,000 | $45,000 |
| 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 |
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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