Bankfirst
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Bankfirst 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bankfirst 6100 South Old Village Place Sioux Falls, SD 57108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 886 |
| Total Mortgage Loan Application Amount | $193,726,000 |
| Average Mortgage Loan Application Amount | $303,673 |
| Highest Mortgage Loan Application Amount | $3,325,000 |
| Average Applicant Income | $123,795 |
| Highest Applicant Income | $1,811,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Bankfirst. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bankfirst's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Bankfirst's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bankfirst serves its applicants.
Each category highlights the total number of mortgage applications processed by Bankfirst, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bankfirst's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark County Nevada | 143 | $ 30,682,000 | $ 214,000 | $ 126,000 |
| Hennepin County Minnesota | 129 | $ 26,851,000 | $ 208,000 | $ 84,000 |
| Dakota County Minnesota | 33 | $ 6,977,000 | $ 211,000 | $ 91,000 |
| Maricopa County Arizona | 30 | $ 10,629,000 | $ 354,000 | $ 92,000 |
| Anoka County Minnesota | 28 | $ 5,031,000 | $ 179,000 | $ 97,000 |
| Scott County Minnesota | 27 | $ 5,379,000 | $ 199,000 | $ 102,000 |
| Washington County Minnesota | 25 | $ 5,196,000 | $ 207,000 | $ 98,000 |
| Ramsey County Minnesota | 24 | $ 4,241,000 | $ 176,000 | $ 85,000 |
| Carver County Minnesota | 17 | $ 3,512,000 | $ 206,000 | $ 91,000 |
| Cook County Illinois | 16 | $ 3,383,000 | $ 211,000 | $ 75,000 |
| Wright County Minnesota | 15 | $ 2,899,000 | $ 193,000 | $ 72,000 |
| Fulton County Georgia | 11 | $ 5,738,000 | $ 521,000 | $ 198,000 |
| Pasco County Florida | 10 | $ 914,000 | $ 91,000 | $ 64,000 |
| Arapahoe County Colorado | 9 | $ 2,058,000 | $ 228,000 | $ 64,000 |
| Sherburne County Minnesota | 9 | $ 1,507,000 | $ 167,000 | $ 80,000 |
| St. Louis County Minnesota | 9 | $ 1,080,000 | $ 120,000 | $ 67,000 |
| Broward County Florida | 8 | $ 1,224,000 | $ 153,000 | $ 112,000 |
| Clayton County Georgia | 8 | $ 582,000 | $ 72,000 | $ 51,000 |
| Adams County Colorado | 7 | $ 1,331,000 | $ 190,000 | $ 103,000 |
| Denver County Colorado | 7 | $ 2,949,000 | $ 421,000 | $ 133,000 |
| Kandiyohi County Minnesota | 7 | $ 350,000 | $ 50,000 | $ 137,000 |
| Palm Beach County Florida | 6 | $ 2,021,000 | $ 336,000 | $ 283,000 |
| Cobb County Georgia | 6 | $ 1,050,000 | $ 175,000 | $ 41,000 |
| DeKalb County Georgia | 6 | $ 763,000 | $ 127,000 | $ 86,000 |
| Maui County Hawaii | 6 | $ 4,758,000 | $ 793,000 | $ 205,000 |
| Sawyer County Wisconsin | 6 | $ 1,152,000 | $ 192,000 | $ 61,000 |
| Osceola County Florida | 5 | $ 625,000 | $ 125,000 | $ 80,000 |
| Volusia County Florida | 5 | $ 2,915,000 | $ 583,000 | $ 773,000 |
| Gwinnett County Georgia | 5 | $ 431,000 | $ 86,000 | $ 37,000 |
| Lake County Illinois | 5 | $ 1,944,000 | $ 388,000 | $ 201,000 |
| Lake County Indiana | 5 | $ 721,000 | $ 144,000 | $ 73,000 |
| Blue Earth County Minnesota | 5 | $ 399,000 | $ 79,000 | $ 105,000 |
| McLeod County Minnesota | 5 | $ 616,000 | $ 123,000 | $ 78,000 |
| Stearns County Minnesota | 5 | $ 566,000 | $ 113,000 | $ 84,000 |
| Minnehaha County South Dakota | 5 | $ 374,000 | $ 74,000 | $ 49,000 |
| Dane County Wisconsin | 5 | $ 534,000 | $ 106,000 | $ 63,000 |
| St. Croix County Wisconsin | 5 | $ 1,216,000 | $ 243,000 | $ 113,000 |
| Jefferson County Alabama | 4 | $ 594,000 | $ 148,000 | $ 104,000 |
| Los Angeles County California | 4 | $ 4,766,000 | $ 1,191,000 | $ 661,000 |
| Larimer County Colorado | 4 | $ 808,000 | $ 202,000 | $ 116,000 |
| Escambia County Florida | 4 | $ 230,000 | $ 57,000 | $ 65,000 |
| Hillsborough County Florida | 4 | $ 452,000 | $ 113,000 | $ 72,000 |
| Pinellas County Florida | 4 | $ 619,000 | $ 154,000 | $ 44,000 |
| Sarasota County Florida | 4 | $ 3,158,000 | $ 789,000 | $ 522,000 |
| Crow Wing County Minnesota | 4 | $ 814,000 | $ 203,000 | $ 129,000 |
| Douglas County Minnesota | 4 | $ 451,000 | $ 112,000 | $ 62,000 |
| Otter Tail County Minnesota | 4 | $ 935,000 | $ 233,000 | $ 153,000 |
| Pine County Minnesota | 4 | $ 787,000 | $ 196,000 | $ 235,000 |
| El Paso County Colorado | 3 | $ 362,000 | $ 120,000 | $ 54,000 |
| Pueblo County Colorado | 3 | $ 210,000 | $ 70,000 | $ 53,000 |
| Brevard County Florida | 3 | $ 241,000 | $ 80,000 | $ 123,000 |
| Citrus County Florida | 3 | $ 221,000 | $ 73,000 | $ 58,000 |
| Hernando County Florida | 3 | $ 425,000 | $ 141,000 | $ 54,000 |
| Aitkin County Minnesota | 3 | $ 305,000 | $ 101,000 | $ 115,000 |
| Chisago County Minnesota | 3 | $ 534,000 | $ 178,000 | $ 90,000 |
| Isanti County Minnesota | 3 | $ 425,000 | $ 141,000 | $ 56,000 |
| Olmsted County Minnesota | 3 | $ 302,000 | $ 100,000 | $ 61,000 |
| New Hanover County North Carolina | 3 | $ 3,370,000 | $ 1,123,000 | $ 385,000 |
| Davidson County Tennessee | 3 | $ 505,000 | $ 168,000 | $ 43,000 |
| Snohomish County Washington | 3 | $ 594,000 | $ 198,000 | $ 181,000 |
| Dunn County Wisconsin | 3 | $ 452,000 | $ 150,000 | $ 142,000 |
| Eau Claire County Wisconsin | 3 | $ 261,000 | $ 87,000 | $ 49,000 |
| Shelby County Alabama | 2 | $ 439,000 | $ 219,000 | $ 150,000 |
| Talladega County Alabama | 2 | $ 164,000 | $ 82,000 | $ 0 |
| Anchorage County Alaska | 2 | $ 340,000 | $ 170,000 | $ 36,000 |
| Matanuska-Susitna County Alaska | 2 | $ 110,000 | $ 55,000 | $ 84,000 |
| Pima County Arizona | 2 | $ 306,000 | $ 153,000 | $ 35,000 |
| Alamosa County Colorado | 2 | $ 280,000 | $ 140,000 | $ 27,000 |
| Fremont County Colorado | 2 | $ 119,000 | $ 59,000 | $ 0 |
| Jefferson County Colorado | 2 | $ 397,000 | $ 198,000 | $ 70,000 |
| Mesa County Colorado | 2 | $ 141,000 | $ 70,000 | $ 46,000 |
| Weld County Colorado | 2 | $ 527,000 | $ 263,000 | $ 137,000 |
| Hartford County Connecticut | 2 | $ 184,000 | $ 92,000 | $ 64,000 |
| Lee County Florida | 2 | $ 1,785,000 | $ 892,000 | $ 0 |
| Monroe County Florida | 2 | $ 638,000 | $ 319,000 | $ 0 |
| St. Johns County Florida | 2 | $ 341,000 | $ 170,000 | $ 0 |
| Carroll County Georgia | 2 | $ 105,000 | $ 52,000 | $ 31,000 |
| Habersham County Georgia | 2 | $ 441,000 | $ 220,000 | $ 111,000 |
| Henry County Georgia | 2 | $ 151,000 | $ 75,000 | $ 60,000 |
| Lumpkin County Georgia | 2 | $ 175,000 | $ 87,000 | $ 54,000 |
| Muscogee County Georgia | 2 | $ 88,000 | $ 44,000 | $ 77,000 |
| Fremont County Idaho | 2 | $ 1,185,000 | $ 592,000 | $ 360,000 |
| DuPage County Illinois | 2 | $ 253,000 | $ 126,000 | $ 70,000 |
| Jasper County Indiana | 2 | $ 247,000 | $ 123,000 | $ 66,000 |
| St. Joseph County Indiana | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Guthrie County Iowa | 2 | $ 90,000 | $ 45,000 | $ 60,000 |
| Johnson County Kansas | 2 | $ 1,600,000 | $ 800,000 | $ 0 |
| Calhoun County Michigan | 2 | $ 46,000 | $ 23,000 | $ 120,000 |
| Monroe County Michigan | 2 | $ 133,000 | $ 66,000 | $ 51,000 |
| St. Clair County Michigan | 2 | $ 163,000 | $ 81,000 | $ 87,000 |
| Cass County Minnesota | 2 | $ 241,000 | $ 120,000 | $ 94,000 |
| Morrison County Minnesota | 2 | $ 240,000 | $ 120,000 | $ 37,000 |
| Nobles County Minnesota | 2 | $ 68,000 | $ 34,000 | $ 153,000 |
| Rice County Minnesota | 2 | $ 148,000 | $ 74,000 | $ 28,000 |
| Stevens County Minnesota | 2 | $ 137,000 | $ 68,000 | $ 40,000 |
| Todd County Minnesota | 2 | $ 63,000 | $ 31,000 | $ 30,000 |
| Jackson County Missouri | 2 | $ 116,000 | $ 58,000 | $ 48,000 |
| Bernalillo County New Mexico | 2 | $ 140,000 | $ 70,000 | $ 108,000 |
| Brunswick County North Carolina | 2 | $ 1,080,000 | $ 540,000 | $ 600,000 |
| Forsyth County North Carolina | 2 | $ 202,000 | $ 101,000 | $ 250,000 |
| Guilford County North Carolina | 2 | $ 97,000 | $ 48,000 | $ 46,000 |
| Wake County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Brookings County South Dakota | 2 | $ 13,000 | $ 6,000 | $ 15,000 |
| Lincoln County South Dakota | 2 | $ 491,000 | $ 245,000 | $ 159,000 |
| Miner County South Dakota | 2 | $ 126,000 | $ 63,000 | $ 142,000 |
| Coffee County Tennessee | 2 | $ 84,000 | $ 42,000 | $ 89,000 |
| Klickitat County Washington | 2 | $ 185,000 | $ 92,000 | $ 70,000 |
| Burnett County Wisconsin | 2 | $ 469,000 | $ 234,000 | $ 123,000 |
| Fond du Lac County Wisconsin | 2 | $ 214,000 | $ 107,000 | $ 65,000 |
| Waushara County Wisconsin | 2 | $ 124,000 | $ 62,000 | $ 27,000 |
| Coconino County Arizona | 1 | $ 394,000 | $ 394,000 | $ 254,000 |
| Pinal County Arizona | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Orange County California | 1 | $ 1,140,000 | $ 1,140,000 | $ 384,000 |
| Riverside County California | 1 | $ 176,000 | $ 176,000 | $ 54,000 |
| Sacramento County California | 1 | $ 274,000 | $ 274,000 | $ 43,000 |
| San Mateo County California | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Douglas County Colorado | 1 | $ 825,000 | $ 825,000 | $ 158,000 |
| La Plata County Colorado | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Summit County Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 400,000 |
| Duval County Florida | 1 | $ 112,000 | $ 112,000 | $ 34,000 |
| Lake County Florida | 1 | $ 181,000 | $ 181,000 | $ 30,000 |
| Marion County Florida | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Nassau County Florida | 1 | $ 1,367,000 | $ 1,367,000 | $ 1,269,000 |
| Polk County Florida | 1 | $ 144,000 | $ 144,000 | $ 54,000 |
| Wakulla County Florida | 1 | $ 126,000 | $ 126,000 | $ 69,000 |
| Walton County Florida | 1 | $ 1,860,000 | $ 1,860,000 | $ 804,000 |
| Forsyth County Georgia | 1 | $ 161,000 | $ 161,000 | $ 112,000 |
| Pickens County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ada County Idaho | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Canyon County Idaho | 1 | $ 117,000 | $ 117,000 | $ 51,000 |
| Will County Illinois | 1 | $ 100,000 | $ 100,000 | $ 0 |
| LaPorte County Indiana | 1 | $ 359,000 | $ 359,000 | $ 111,000 |
| York County Maine | 1 | $ 146,000 | $ 146,000 | $ 55,000 |
| Norfolk County Massachusetts | 1 | $ 1,068,000 | $ 1,068,000 | $ 247,000 |
| Saginaw County Michigan | 1 | $ 126,000 | $ 126,000 | $ 86,000 |
| Washtenaw County Michigan | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Wexford County Michigan | 1 | $ 113,000 | $ 113,000 | $ 30,000 |
| Carlton County Minnesota | 1 | $ 133,000 | $ 133,000 | $ 55,000 |
| Clay County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 11,000 |
| Freeborn County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Lincoln County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| St. Louis County Missouri | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Gallatin County Montana | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Washoe County Nevada | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Haywood County North Carolina | 1 | $ 208,000 | $ 208,000 | $ 413,000 |
| York County South Carolina | 1 | $ 423,000 | $ 423,000 | $ 137,000 |
| Codington County South Dakota | 1 | $ 186,000 | $ 186,000 | $ 68,000 |
| Deuel County South Dakota | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Lake County South Dakota | 1 | $ 41,000 | $ 41,000 | $ 91,000 |
| Yankton County South Dakota | 1 | $ 88,000 | $ 88,000 | $ 180,000 |
| Rutherford County Tennessee | 1 | $ 161,000 | $ 161,000 | $ 106,000 |
| Fairfax County Virginia | 1 | $ 354,000 | $ 354,000 | $ 258,000 |
| Columbia County Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Racine County Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Waukesha County Wisconsin | 1 | $ 390,000 | $ 390,000 | $ 93,000 |
| Winnebago County Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bankfirst in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 499 | $105,485,000 | $289,320 | $3,325,000 | $166,320 | $1,800,000 |
| Refinancing | 384 | $88,226,000 | $332,260 | $2,765,000 | $82,652 | $1,811,000 |
| Home Improvement | 3 | $15,000 | $5,000 | $10,000 | $7,000 | $31,000 |
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 | 623 | $135,664,000 | $275,857 | $2,765,000 | $110,642 | $1,811,000 |
| Not Provided | 125 | $28,951,000 | $315,066 | $1,860,000 | $102,533 | $804,000 |
| Black or African American | 52 | $12,497,000 | $562,375 | $3,325,000 | $321,875 | $1,800,000 |
| Asian | 47 | $9,509,000 | $211,285 | $576,000 | $82,428 | $354,000 |
| Hispanic | 33 | $5,924,000 | $195,300 | $494,000 | $55,400 | $241,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $766,000 | $191,500 | $320,000 | $50,250 | $112,000 |
| American Indian or Alaskan Native | 2 | $415,000 | $207,000 | $332,000 | $79,000 | $79,000 |
| Not applicable | 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) | 886 | $193,726,000 | $288,066 | $3,325,000 | $113,800 | $1,811,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 525 | $112,085,000 | $262,535 | $2,765,000 | $97,928 | $1,811,000 |
| Application Denied By Financial Institution | 265 | $58,085,000 | $285,133 | $1,860,000 | $136,866 | $1,528,000 |
| Application Approved But Not Accepted | 76 | $19,866,000 | $437,533 | $3,325,000 | $220,933 | $1,800,000 |
| Application Withdrawn By Applicant | 20 | $3,690,000 | $199,875 | $876,000 | $98,375 | $900,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 75 | $16,581,000 | $232,600 | $576,000 | $136,200 | $571,000 |
| Credit Application Incomplete | 55 | $9,789,000 | $168,800 | $1,000,000 | $106,900 | $450,000 |
| Collateral | 36 | $8,874,000 | $199,300 | $1,860,000 | $181,500 | $1,528,000 |
| Debt-To-Income Ratio | 33 | $6,950,000 | $408,625 | $1,800,000 | $103,750 | $375,000 |
| Other | 28 | $6,147,000 | $379,375 | $1,600,000 | $114,625 | $336,000 |
| Credit History | 24 | $7,580,000 | $351,500 | $1,430,000 | $132,300 | $432,000 |
| Employment History | 8 | $1,128,000 | $127,666 | $314,000 | $93,333 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,036,000 | $180,666 | $303,000 | $143,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankfirst's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bankfirst's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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