Harding County, SD Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 42 mortgage applications in Harding County, SD totaling $2.5 million, up 56% from 2003. The average application was for $59,000, and applicants reported an average income of $39,000. 64% of applications resulted in an originated loan and 29% were denied. The most active lender was Pioneer Bank & Trust, with 19 applications, followed by First Western Bank Sturgis and Gmac Mortgage LLC.
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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 | 42 |
| Total Mortgage Loan Application Amount | $2,481,000 |
| Average Mortgage Loan Application Amount | $59,000 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $39,000 |
| Highest Applicant Income | $215,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 281,913,000 | 19 | $ 626,000 |
| First Western Bank Sturgis PO BOX 9 STURGIS, SD 57785 |
* | $ 309,705,000 | 5 | $ 653,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 136,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 3 | $ 122,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 124,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 1 | $ 47,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 768,367,000 | 1 | $ 85,000 |
| Dakota Community Bank 353 19TH STREET WEST DICKINSON, ND 58601 |
* | $ 164,942,000 | 1 | $ 86,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 225,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 74,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 1 | $ 34,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 1 | $ 53,000 |
The tables below break down 2004 mortgage applications in Harding 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 Harding 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 | 29 | $1,940,000 | $66,000 | $225,000 | $31,000 | $208,000 |
| Home Purchase | 9 | $299,000 | $33,000 | $71,000 | $31,000 | $81,000 |
| Home Improvement | 4 | $242,000 | $60,000 | $90,000 | $90,000 | $215,000 |
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 | 30 | $1,452,000 | $48,000 | $158,000 | $48,000 | $215,000 |
| Not Provided | 5 | $395,000 | $79,000 | $225,000 | $30,000 | $48,000 |
| Not applicable | 4 | $533,000 | $133,000 | $181,000 | $0 | $0 |
| Black or African American | 2 | $81,000 | $40,000 | $41,000 | $50,000 | $50,000 |
| Hispanic | 1 | $20,000 | $20,000 | $20,000 | $14,000 | $14,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 39 | $2,333,000 | $59,000 | $225,000 | $42,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 2 | $108,000 | $54,000 | $55,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $40,000 | $40,000 | $40,000 | $50,000 | $50,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $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 | 27 | $1,540,000 | $57,000 | $181,000 | $45,000 | $215,000 |
| Application Denied By Financial Institution | 12 | $590,000 | $49,000 | $85,000 | $38,000 | $110,000 |
| Application Withdrawn By Applicant | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $225,000 | $225,000 | $225,000 | $48,000 | $48,000 |
| Loan Purchased By The Institution | 1 | $71,000 | $71,000 | $71,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 4 | $162,000 | $40,000 | $54,000 | $13,000 | $17,000 |
| Credit History | 3 | $123,000 | $41,000 | $42,000 | $38,000 | $50,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $17,000 | $17,000 |
| Credit Application Incomplete | 1 | $70,000 | $70,000 | $70,000 | $110,000 | $110,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $14,000 | $14,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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