Lake County, SD Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 710 mortgage applications in Lake County, SD totaling $85.4 million, down 8% from 2006. The average application was for $120,000, and applicants reported an average income of $90,000. 48% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank, NA, with 88 applications, followed by CU Mortgage Direct, LLC and First Bank and Trust 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 | 710 |
| Total Mortgage Loan Application Amount | $85,419,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $3,938,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 88 | $ 10,860,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 82 | $ 9,735,000 |
| First Bank and Trust NA 110 N. MINNESOTA SIOUX FALLS, SD 57104 |
* | $ 271,911,000 | 60 | $ 5,254,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 58 | $ 7,498,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 1,387,577,000 | 51 | $ 4,558,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 47 | $ 3,882,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 35 | $ 4,269,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 31 | $ 4,475,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 29 | $ 4,379,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 23 | $ 2,350,000 |
| Wells Fargo Fin'l South Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 14 | $ 930,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 822,940,000 | 13 | $ 634,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 758,790,000 | 10 | $ 540,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,009,911,000 | 10 | $ 1,223,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 974,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 7 | $ 882,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 6 | $ 926,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 6 | $ 800,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 6 | $ 442,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 961,262,000 | 6 | $ 1,107,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 4,173,972,000 | 6 | $ 992,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 6 | $ 1,031,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 1,340,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 275,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 5 | $ 546,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 4 | $ 496,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 146,260,800,000 | 4 | $ 1,049,000 |
| First Savings Bank 201 NORTH 3RD ST BERESFORD, SD 57004 |
* | $ 454,833,000 | 3 | $ 127,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 650,132,000 | 3 | $ 208,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 3 | $ 159,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 3 | $ 268,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 3 | $ 846,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 3 | $ 255,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,301,425,000 | 2 | $ 346,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 602,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 7,641,954,000 | 2 | $ 336,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 985,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 405,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 445,151,000 | 2 | $ 49,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 2 | $ 32,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 2 | $ 554,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 2 | $ 217,000 |
| Minnwest Mortgage Corporation 5324 EAST ARROWHEAD PKY, SUITE 102 SIOUX FALLS, SD 57110 |
* | $ 1,381,002,000 | 2 | $ 266,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 111,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 284,556,000 | 1 | $ 55,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,642,936,000 | 1 | $ 128,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 252,290,000 | 1 | $ 82,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 80,337,000 | 1 | $ 60,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 1 | $ 264,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 706,217,000 | 1 | $ 166,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 1 | $ 200,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 61,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 1 | $ 824,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 589,584,000 | 1 | $ 56,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 810,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 228,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 65,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 119,000 |
| Sioux Empire 5010 S SOLBERG AVE SIOUX FALLS, SD 57108 |
* | $ 49,751,000 | 1 | $ 12,000 |
| Liberty Savings Bank FSB 111 7TH AVENUE SOUTH, P.O. BOX 40 ST. CLOUD, MN 56302 |
* | $ 136,028,000 | 1 | $ 57,000 |
| Frontier Bank 301 FIRST AVENUE ROCK RAPIDS, IA 51246 |
* | $ 184,628,000 | 1 | $ 350,000 |
| Hudson City Savings Bank WEST 80 CENTURY ROAD PARAMUS, NJ 07652 |
* | $ 35,507,546,000 | 1 | $ 496,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 1 | $ 84,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 1 | $ 580,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,081,220,000 | 1 | $ 6,000 |
| Valley Bank, N.A. 4619 E. ARROWHEAD PKWY SIOUX FALLS, SD 57110 |
* | $ 74,010,000 | 1 | $ 361,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 196,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 802,048,000 | 1 | $ 75,000 |
| Newmarket Financial Mortgage 11513 COMMONWEALTH DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 100,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 1 | $ 119,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 366,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 1 | $ 169,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 26,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 1 | $ 464,000 |
The tables below break down 2007 mortgage applications in Lake 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 Lake County, SD in 2007
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 | 337 | $46,383,000 | $137,000 | $900,000 | $101,000 | $3,938,000 |
| Home Purchase | 269 | $33,256,000 | $123,000 | $580,000 | $82,000 | $600,000 |
| Home Improvement | 104 | $5,780,000 | $55,000 | $782,000 | $75,000 | $1,472,000 |
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 | 582 | $70,592,000 | $121,000 | $900,000 | $95,000 | $3,938,000 |
| Not applicable | 88 | $11,394,000 | $129,000 | $664,000 | $64,000 | $310,000 |
| Not Provided | 25 | $2,407,000 | $96,000 | $264,000 | $78,000 | $242,000 |
| Hispanic | 7 | $327,000 | $46,000 | $150,000 | $42,000 | $128,000 |
| American Indian or Alaskan Native | 5 | $328,000 | $65,000 | $117,000 | $63,000 | $114,000 |
| Asian | 2 | $282,000 | $141,000 | $148,000 | $61,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $89,000 | $89,000 | $89,000 | $374,000 | $374,000 |
| 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) | 656 | $80,408,000 | $122,000 | $900,000 | $94,000 | $3,938,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,260,000 | $90,000 | $157,000 | $40,000 | $57,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,189,000 | $91,000 | $189,000 | $38,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 5 | $562,000 | $112,000 | $166,000 | $54,000 | $83,000 |
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 | 338 | $37,253,000 | $110,000 | $664,000 | $82,000 | $1,054,000 |
| Loan Purchased By The Institution | 141 | $19,540,000 | $138,000 | $664,000 | $79,000 | $310,000 |
| Application Denied By Financial Institution | 110 | $13,386,000 | $121,000 | $879,000 | $130,000 | $3,938,000 |
| Application Approved But Not Accepted | 67 | $7,439,000 | $111,000 | $640,000 | $84,000 | $500,000 |
| Application Withdrawn By Applicant | 45 | $6,212,000 | $138,000 | $900,000 | $92,000 | $900,000 |
| File Closed For Incompleteness | 9 | $1,589,000 | $176,000 | $464,000 | $115,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 15 | $2,928,000 | $195,000 | $810,000 | $218,000 | $1,472,000 |
| Credit History | 11 | $878,000 | $79,000 | $224,000 | $67,000 | $110,000 |
| Debt-To-Income Ratio | 8 | $1,035,000 | $129,000 | $356,000 | $43,000 | $74,000 |
| Unverifiable Information | 7 | $1,803,000 | $257,000 | $879,000 | $665,000 | $3,938,000 |
| Other | 5 | $776,000 | $155,000 | $308,000 | $84,000 | $204,000 |
| Credit Application Incomplete | 2 | $1,036,000 | $518,000 | $824,000 | $879,000 | $1,680,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $240,000 | $240,000 | $240,000 | $126,000 | $126,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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