Jerauld County, SD Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 30 mortgage applications in Jerauld County, SD totaling $11.0 million, about the same as 2011. The average application was for $365,000, and applicants reported an average income of $69,000. 60% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 6 applications, followed by The First National Bank in Sioux Falls and Bankwest, 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 | 30 |
| Total Mortgage Loan Application Amount | $10,962,000 |
| Average Mortgage Loan Application Amount | $365,000 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $333,000 |
| 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 | 6 | $ 813,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,054,086,000 | 3 | $ 8,100,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 3 | $ 94,000 |
| Quoin Financial Bank PO BOX 199 MILLER, SD 57362 |
* | $ 130,688,000 | 3 | $ 156,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 696,810,000 | 2 | $ 166,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,224,205,000 | 2 | $ 111,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 414,758,000 | 2 | $ 142,000 |
| Air Academy Federal Credit Union 9810 N UNION BLVD COLORADO SPRINGS, CO 80924 |
* | $ 423,714,000 | 2 | $ 448,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 204,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 1 | $ 225,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 1 | $ 79,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 846,417,000 | 1 | $ 150,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 317,191,000 | 1 | $ 37,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 98,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 1 | $ 139,000 |
The tables below break down 2012 mortgage applications in Jerauld 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 Jerauld 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 | 19 | $10,126,000 | $532,000 | $6,000,000 | $59,000 | $192,000 |
| Home Purchase | 11 | $836,000 | $76,000 | $176,000 | $88,000 | $333,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 23 | $2,385,000 | $103,000 | $225,000 | $82,000 | $333,000 |
| Not applicable | 5 | $8,387,000 | $1,677,000 | $6,000,000 | $0 | $2,000 |
| Not Provided | 2 | $190,000 | $95,000 | $150,000 | $93,000 | $120,000 |
| 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) | 24 | $10,088,000 | $420,000 | $6,000,000 | $74,000 | $333,000 |
| VA-guaranteed (Veterans Administration) | 3 | $673,000 | $224,000 | $225,000 | $40,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $158,000 | $79,000 | $79,000 | $72,000 | $72,000 |
| FHA-insured (Federal Housing Administration) | 1 | $43,000 | $43,000 | $43,000 | $55,000 | $55,000 |
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 | 18 | $9,464,000 | $525,000 | $6,000,000 | $62,000 | $192,000 |
| Application Denied By Financial Institution | 5 | $378,000 | $75,000 | $204,000 | $46,000 | $78,000 |
| Application Withdrawn By Applicant | 4 | $753,000 | $188,000 | $223,000 | $148,000 | $333,000 |
| Loan Purchased By The Institution | 2 | $304,000 | $152,000 | $225,000 | $36,000 | $72,000 |
| Application Approved But Not Accepted | 1 | $63,000 | $63,000 | $63,000 | $75,000 | $75,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2 | $272,000 | $136,000 | $204,000 | $62,000 | $78,000 |
| Credit History | 1 | $43,000 | $43,000 | $43,000 | $55,000 | $55,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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