Bankfirst Mortgage Lending & HMDA Data, 2006
In 2006, Bankfirst of Sioux Falls, SD reported 2,630 mortgage applications totaling $633.0 million, up 197% from 2005. The average application was for $240,676, and applicants reported an average income of $121,264. 56% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (541), Chicago-Naperville-Joliet, IL (362) and Atlanta-Sandy Springs-Marietta, GA (178) (applications in parentheses).
| 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 | 2,630 |
| Total Mortgage Loan Application Amount | $632,978,000 |
| Average Mortgage Loan Application Amount | $240,676 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $121,264 |
| Highest Applicant Income | $2,532,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankfirst filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin, Minnesota | 204 | $ 43,495,000 | $ 213,210 | $ 82,000 |
| Cook, Illinois | 202 | $ 71,693,000 | $ 354,915 | $ 114,000 |
| Fulton, Georgia | 78 | $ 16,793,000 | $ 215,294 | $ 59,000 |
| Ramsey, Minnesota | 71 | $ 10,693,000 | $ 150,605 | $ 91,000 |
| Maricopa, Arizona | 69 | $ 22,294,000 | $ 323,101 | $ 124,000 |
| Jackson, Missouri | 65 | $ 8,201,000 | $ 126,169 | $ 161,000 |
| Dakota, Minnesota | 63 | $ 11,258,000 | $ 178,698 | $ 74,000 |
| DuPage, Illinois | 57 | $ 15,126,000 | $ 265,368 | $ 113,000 |
| Anoka, Minnesota | 56 | $ 8,580,000 | $ 153,214 | $ 68,000 |
| Broward, Florida | 52 | $ 13,984,000 | $ 268,923 | $ 72,000 |
| Miami-Dade, Florida | 51 | $ 20,412,000 | $ 400,235 | $ 166,000 |
| Scott, Minnesota | 51 | $ 15,515,000 | $ 304,215 | $ 145,000 |
| Will, Illinois | 49 | $ 10,973,000 | $ 223,938 | $ 128,000 |
| Los Angeles, California | 48 | $ 15,965,000 | $ 332,604 | $ 84,000 |
| Riverside, California | 45 | $ 14,371,000 | $ 319,355 | $ 105,000 |
| San Bernardino, California | 43 | $ 13,286,000 | $ 308,976 | $ 97,000 |
| Johnson, Kansas | 43 | $ 8,392,000 | $ 195,162 | $ 96,000 |
| Hillsborough, Florida | 38 | $ 7,766,000 | $ 204,368 | $ 65,000 |
| Clark, Nevada | 31 | $ 13,813,000 | $ 445,580 | $ 190,000 |
| Palm Beach, Florida | 30 | $ 9,426,000 | $ 314,200 | $ 52,000 |
| Washington, Minnesota | 27 | $ 8,512,000 | $ 315,259 | $ 42,000 |
| Orange, California | 26 | $ 18,156,000 | $ 698,307 | $ 168,000 |
| Lee, Florida | 26 | $ 9,462,000 | $ 363,923 | $ 184,000 |
| Clay, Missouri | 26 | $ 4,044,000 | $ 155,538 | $ 204,000 |
| Lake, Illinois | 23 | $ 12,877,000 | $ 559,869 | $ 169,000 |
| Carver, Minnesota | 23 | $ 4,909,000 | $ 213,434 | $ 55,000 |
| Gwinnett, Georgia | 22 | $ 7,750,000 | $ 352,272 | $ 112,000 |
| Kane, Illinois | 22 | $ 4,798,000 | $ 218,090 | $ 78,000 |
| St. Lucie, Florida | 21 | $ 3,127,000 | $ 148,904 | $ 1,443,000 |
| Cobb, Georgia | 21 | $ 2,519,000 | $ 119,952 | $ 45,000 |
| Wright, Minnesota | 21 | $ 7,283,000 | $ 346,809 | $ 45,000 |
| DeKalb, Georgia | 19 | $ 2,019,000 | $ 106,263 | $ 52,000 |
| Le Sueur, Minnesota | 19 | $ 4,225,000 | $ 222,368 | $ 153,000 |
| Jefferson, Colorado | 18 | $ 3,114,000 | $ 173,000 | $ 62,000 |
| Sheboygan, Wisconsin | 17 | $ 1,726,000 | $ 101,529 | $ 47,000 |
| Adams, Colorado | 16 | $ 2,938,000 | $ 183,625 | $ 54,000 |
| Arapahoe, Colorado | 16 | $ 3,484,000 | $ 217,750 | $ 41,000 |
| Indian River, Florida | 16 | $ 2,169,000 | $ 135,562 | $ 1,847,000 |
| Orange, Florida | 16 | $ 3,296,000 | $ 206,000 | $ 77,000 |
| St. Louis, Minnesota | 15 | $ 1,740,000 | $ 116,000 | $ 130,000 |
| Collier, Florida | 14 | $ 5,168,000 | $ 369,142 | $ 231,000 |
| Pinellas, Florida | 14 | $ 4,363,000 | $ 311,642 | $ 83,000 |
| Polk, Florida | 14 | $ 1,947,000 | $ 139,071 | $ 67,000 |
| McHenry, Illinois | 14 | $ 2,938,000 | $ 209,857 | $ 72,000 |
| La Crosse, Wisconsin | 14 | $ 914,000 | $ 65,285 | $ 10,000 |
| Milwaukee, Wisconsin | 14 | $ 1,472,000 | $ 105,142 | $ 35,000 |
| El Paso, Colorado | 13 | $ 1,992,000 | $ 153,230 | $ 79,000 |
| Pasco, Florida | 13 | $ 1,512,000 | $ 116,307 | $ 114,000 |
| Seminole, Florida | 13 | $ 2,296,000 | $ 176,615 | $ 42,000 |
| Kendall, Illinois | 13 | $ 2,726,000 | $ 209,692 | $ 158,000 |
| Stearns, Minnesota | 13 | $ 1,230,000 | $ 94,615 | $ 61,000 |
| Denver, Colorado | 12 | $ 1,891,000 | $ 157,583 | $ 55,000 |
| Walworth, Wisconsin | 11 | $ 2,201,000 | $ 200,090 | $ 185,000 |
| San Diego, California | 10 | $ 3,647,000 | $ 364,700 | $ 52,000 |
| Polk, Iowa | 10 | $ 1,206,000 | $ 120,600 | $ 46,000 |
| King, Washington | 10 | $ 2,720,000 | $ 272,000 | $ 131,000 |
| New Haven, Connecticut | 9 | $ 1,635,000 | $ 181,666 | $ 46,000 |
| Sarasota, Florida | 9 | $ 3,834,000 | $ 426,000 | $ 320,000 |
| Rice, Minnesota | 9 | $ 1,144,000 | $ 127,111 | $ 124,000 |
| Sherburne, Minnesota | 9 | $ 1,269,000 | $ 141,000 | $ 57,000 |
| Boulder, Colorado | 8 | $ 1,803,000 | $ 225,375 | $ 169,000 |
| Douglas, Colorado | 8 | $ 1,215,000 | $ 151,875 | $ 95,000 |
| Duval, Florida | 8 | $ 1,002,000 | $ 125,250 | $ 71,000 |
| Waukesha, Wisconsin | 8 | $ 1,312,000 | $ 164,000 | $ 65,000 |
| Charlotte, Florida | 7 | $ 1,084,000 | $ 154,857 | $ 0 |
| St. Johns, Florida | 7 | $ 1,417,000 | $ 202,428 | $ 105,000 |
| Volusia, Florida | 7 | $ 1,104,000 | $ 157,714 | $ 49,000 |
| Contra Costa, California | 6 | $ 3,245,000 | $ 540,833 | $ 16,000 |
| Fairfield, Connecticut | 6 | $ 4,382,000 | $ 730,333 | $ 205,000 |
| Hendricks, Indiana | 6 | $ 388,000 | $ 64,666 | $ 161,000 |
| Lake, Indiana | 6 | $ 453,000 | $ 75,500 | $ 34,000 |
| Olmsted, Minnesota | 6 | $ 597,000 | $ 99,500 | $ 33,000 |
| Cass, Missouri | 6 | $ 2,421,000 | $ 403,500 | $ 62,000 |
| Guilford, North Carolina | 6 | $ 970,000 | $ 161,666 | $ 110,000 |
| Franklin, Ohio | 6 | $ 594,000 | $ 99,000 | $ 119,000 |
| Multnomah, Oregon | 6 | $ 1,376,000 | $ 229,333 | $ 79,000 |
| Minnehaha, South Dakota | 6 | $ 630,000 | $ 105,000 | $ 70,000 |
| Galveston, Texas | 6 | $ 676,000 | $ 112,666 | $ 75,000 |
| St. Croix, Wisconsin | 6 | $ 1,991,000 | $ 331,833 | $ 147,000 |
| Douglas, Georgia | 5 | $ 462,000 | $ 92,400 | $ 17,000 |
| Fayette, Georgia | 5 | $ 826,000 | $ 165,200 | $ 86,000 |
| Forsyth, Georgia | 5 | $ 1,861,000 | $ 372,200 | $ 230,000 |
| DeKalb, Illinois | 5 | $ 681,000 | $ 136,200 | $ 30,000 |
| Chisago, Minnesota | 5 | $ 818,000 | $ 163,600 | $ 40,000 |
| Douglas, Minnesota | 5 | $ 799,000 | $ 159,800 | $ 205,000 |
| Goodhue, Minnesota | 5 | $ 2,154,000 | $ 430,800 | $ 64,000 |
| Mille Lacs, Minnesota | 5 | $ 626,000 | $ 125,200 | $ 70,000 |
| Otter Tail, Minnesota | 5 | $ 713,000 | $ 142,600 | $ 111,000 |
| Pima, Arizona | 4 | $ 605,000 | $ 151,250 | $ 24,000 |
| Gunnison, Colorado | 4 | $ 1,765,000 | $ 441,250 | $ 406,000 |
| Mesa, Colorado | 4 | $ 742,000 | $ 185,500 | $ 124,000 |
| Pueblo, Colorado | 4 | $ 284,000 | $ 71,000 | $ 29,000 |
| Weld, Colorado | 4 | $ 1,014,000 | $ 253,500 | $ 96,000 |
| Brevard, Florida | 4 | $ 806,000 | $ 201,500 | $ 66,000 |
| Clay, Florida | 4 | $ 526,000 | $ 131,500 | $ 32,000 |
| Lake, Florida | 4 | $ 1,202,000 | $ 300,500 | $ 130,000 |
| Clayton, Georgia | 4 | $ 323,000 | $ 80,750 | $ 0 |
| Henry, Georgia | 4 | $ 314,000 | $ 78,500 | $ 67,000 |
| Wyandotte, Kansas | 4 | $ 263,000 | $ 65,750 | $ 60,000 |
| Jefferson, Kentucky | 4 | $ 396,000 | $ 99,000 | $ 790,000 |
| Benton, Minnesota | 4 | $ 455,000 | $ 113,750 | $ 25,000 |
| Blue Earth, Minnesota | 4 | $ 323,000 | $ 80,750 | $ 22,000 |
| Crow Wing, Minnesota | 4 | $ 455,000 | $ 113,750 | $ 48,000 |
| Mower, Minnesota | 4 | $ 460,000 | $ 115,000 | $ 36,000 |
| DeSoto, Mississippi | 4 | $ 124,000 | $ 31,000 | $ 125,000 |
| Douglas, Nebraska | 4 | $ 429,000 | $ 107,250 | $ 114,000 |
| Bucks, Pennsylvania | 4 | $ 1,055,000 | $ 263,750 | $ 89,000 |
| Lincoln, South Dakota | 4 | $ 645,000 | $ 161,250 | $ 97,000 |
| Rutherford, Tennessee | 4 | $ 255,000 | $ 63,750 | $ 216,000 |
| Tarrant, Texas | 4 | $ 278,000 | $ 69,500 | $ 45,000 |
| Fairfax, Virginia | 4 | $ 1,465,000 | $ 366,250 | $ 97,000 |
| Dane, Wisconsin | 4 | $ 618,000 | $ 154,500 | $ 76,000 |
| Fond du Lac, Wisconsin | 4 | $ 285,000 | $ 71,250 | $ 59,000 |
| Yavapai, Arizona | 3 | $ 2,597,000 | $ 865,666 | $ 510,000 |
| Alameda, California | 3 | $ 968,000 | $ 322,666 | $ 166,000 |
| Kern, California | 3 | $ 769,000 | $ 256,333 | $ 66,000 |
| San Joaquin, California | 3 | $ 723,000 | $ 241,000 | $ 131,000 |
| Broomfield, Colorado | 3 | $ 517,000 | $ 172,333 | $ 82,000 |
| Elbert, Colorado | 3 | $ 490,000 | $ 163,333 | $ 98,000 |
| Summit, Colorado | 3 | $ 495,000 | $ 165,000 | $ 170,000 |
| Citrus, Florida | 3 | $ 497,000 | $ 165,666 | $ 89,000 |
| Flagler, Florida | 3 | $ 727,000 | $ 242,333 | $ 81,000 |
| Hernando, Florida | 3 | $ 237,000 | $ 79,000 | $ 142,000 |
| Marion, Florida | 3 | $ 267,000 | $ 89,000 | $ 19,000 |
| Osceola, Florida | 3 | $ 596,000 | $ 198,666 | $ 32,000 |
| Carroll, Georgia | 3 | $ 269,000 | $ 89,666 | $ 0 |
| Coweta, Georgia | 3 | $ 356,000 | $ 118,666 | $ 9,000 |
| Richmond, Georgia | 3 | $ 190,000 | $ 63,333 | $ 20,000 |
| Miami, Kansas | 3 | $ 388,000 | $ 129,333 | $ 51,000 |
| Sedgwick, Kansas | 3 | $ 237,000 | $ 79,000 | $ 84,000 |
| Norfolk, Massachusetts | 3 | $ 937,000 | $ 312,333 | $ 100,000 |
| Freeborn, Minnesota | 3 | $ 218,000 | $ 72,666 | $ 20,000 |
| McLeod, Minnesota | 3 | $ 420,000 | $ 140,000 | $ 72,000 |
| Meeker, Minnesota | 3 | $ 247,000 | $ 82,333 | $ 0 |
| Platte, Missouri | 3 | $ 467,000 | $ 155,666 | $ 251,000 |
| Mecklenburg, North Carolina | 3 | $ 2,570,000 | $ 856,666 | $ 0 |
| Orange, North Carolina | 3 | $ 328,000 | $ 109,333 | $ 142,000 |
| Cass, North Dakota | 3 | $ 557,000 | $ 185,666 | $ 107,000 |
| Lane, Oregon | 3 | $ 407,000 | $ 135,666 | $ 237,000 |
| Lincoln, Oregon | 3 | $ 500,000 | $ 166,666 | $ 246,000 |
| Virginia Beach, Virginia | 3 | $ 581,000 | $ 193,666 | $ 0 |
| Clark, Washington | 3 | $ 438,000 | $ 146,000 | $ 78,000 |
| Calumet, Wisconsin | 3 | $ 356,000 | $ 118,666 | $ 112,000 |
| Kenosha, Wisconsin | 3 | $ 384,000 | $ 128,000 | $ 74,000 |
| Marathon, Wisconsin | 3 | $ 318,000 | $ 106,000 | $ 47,000 |
| Ozaukee, Wisconsin | 3 | $ 567,000 | $ 189,000 | $ 34,000 |
| Pierce, Wisconsin | 3 | $ 578,000 | $ 192,666 | $ 144,000 |
| Rock, Wisconsin | 3 | $ 253,000 | $ 84,333 | $ 41,000 |
| Sauk, Wisconsin | 3 | $ 339,000 | $ 113,000 | $ 63,000 |
| Washington, Wisconsin | 3 | $ 618,000 | $ 206,000 | $ 177,000 |
| Shelby, Alabama | 2 | $ 148,000 | $ 74,000 | $ 67,000 |
| Cochise, Arizona | 2 | $ 258,000 | $ 129,000 | $ 120,000 |
| La Paz, Arizona | 2 | $ 149,000 | $ 74,500 | $ 0 |
| Pinal, Arizona | 2 | $ 416,000 | $ 208,000 | $ 73,000 |
| El Dorado, California | 2 | $ 666,000 | $ 333,000 | $ 0 |
| Placer, California | 2 | $ 701,000 | $ 350,500 | $ 119,000 |
| Santa Barbara, California | 2 | $ 450,000 | $ 225,000 | $ 191,000 |
| Shasta, California | 2 | $ 177,000 | $ 88,500 | $ 66,000 |
| Sonoma, California | 2 | $ 498,000 | $ 249,000 | $ 88,000 |
| Delta, Colorado | 2 | $ 197,000 | $ 98,500 | $ 42,000 |
| La Plata, Colorado | 2 | $ 475,000 | $ 237,500 | $ 0 |
| Park, Colorado | 2 | $ 687,000 | $ 343,500 | $ 117,000 |
| Rio Grande, Colorado | 2 | $ 905,000 | $ 452,500 | $ 210,000 |
| Bay, Florida | 2 | $ 300,000 | $ 150,000 | $ 35,000 |
| Manatee, Florida | 2 | $ 461,000 | $ 230,500 | $ 0 |
| Martin, Florida | 2 | $ 183,000 | $ 91,500 | $ 47,000 |
| Chatham, Georgia | 2 | $ 215,000 | $ 107,500 | $ 80,000 |
| Cherokee, Georgia | 2 | $ 353,000 | $ 176,500 | $ 67,000 |
| Glynn, Georgia | 2 | $ 655,000 | $ 327,500 | $ 388,000 |
| Liberty, Georgia | 2 | $ 86,000 | $ 43,000 | $ 78,000 |
| Newton, Georgia | 2 | $ 237,000 | $ 118,500 | $ 17,000 |
| Spalding, Georgia | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Troup, Georgia | 2 | $ 418,000 | $ 209,000 | $ 68,000 |
| Bonneville, Idaho | 2 | $ 120,000 | $ 60,000 | $ 60,000 |
| Kootenai, Idaho | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Boone, Illinois | 2 | $ 378,000 | $ 189,000 | $ 62,000 |
| McLean, Illinois | 2 | $ 255,000 | $ 127,500 | $ 74,000 |
| Rock Island, Illinois | 2 | $ 152,000 | $ 76,000 | $ 75,000 |
| Winnebago, Illinois | 2 | $ 499,000 | $ 249,500 | $ 113,000 |
| Marion, Indiana | 2 | $ 132,000 | $ 66,000 | $ 71,000 |
| Porter, Indiana | 2 | $ 469,000 | $ 234,500 | $ 45,000 |
| Vanderburgh, Indiana | 2 | $ 88,000 | $ 44,000 | $ 62,000 |
| Bremer, Iowa | 2 | $ 235,000 | $ 117,500 | $ 0 |
| Fremont, Iowa | 2 | $ 96,000 | $ 48,000 | $ 53,000 |
| Shelby, Iowa | 2 | $ 185,000 | $ 92,500 | $ 90,000 |
| Story, Iowa | 2 | $ 122,000 | $ 61,000 | $ 31,000 |
| Riley, Kansas | 2 | $ 123,000 | $ 61,500 | $ 0 |
| Kenton, Kentucky | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Frederick, Maryland | 2 | $ 609,000 | $ 304,500 | $ 141,000 |
| Montgomery, Maryland | 2 | $ 834,000 | $ 417,000 | $ 120,000 |
| Washington, Maryland | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Middlesex, Massachusetts | 2 | $ 870,000 | $ 435,000 | $ 135,000 |
| Plymouth, Massachusetts | 2 | $ 524,000 | $ 262,000 | $ 83,000 |
| Suffolk, Massachusetts | 2 | $ 444,000 | $ 222,000 | $ 86,000 |
| Worcester, Massachusetts | 2 | $ 155,000 | $ 77,500 | $ 0 |
| Newaygo, Michigan | 2 | $ 197,000 | $ 98,500 | $ 77,000 |
| Cass, Minnesota | 2 | $ 210,000 | $ 105,000 | $ 51,000 |
| Clay, Minnesota | 2 | $ 141,000 | $ 70,500 | $ 83,000 |
| Cook, Minnesota | 2 | $ 271,000 | $ 135,500 | $ 118,000 |
| Isanti, Minnesota | 2 | $ 190,000 | $ 95,000 | $ 246,000 |
| Kandiyohi, Minnesota | 2 | $ 155,000 | $ 77,500 | $ 55,000 |
| Pine, Minnesota | 2 | $ 215,000 | $ 107,500 | $ 91,000 |
| Pipestone, Minnesota | 2 | $ 220,000 | $ 110,000 | $ 84,000 |
| Sibley, Minnesota | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Winona, Minnesota | 2 | $ 691,000 | $ 345,500 | $ 97,000 |
| Harrison, Mississippi | 2 | $ 502,000 | $ 251,000 | $ 61,000 |
| Jefferson, Missouri | 2 | $ 148,000 | $ 74,000 | $ 203,000 |
| Hillsborough, New Hampshire | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Hancock, Ohio | 2 | $ 119,000 | $ 59,500 | $ 0 |
| Medina, Ohio | 2 | $ 1,350,000 | $ 675,000 | $ 0 |
| Union, Ohio | 2 | $ 270,000 | $ 135,000 | $ 67,000 |
| Oklahoma, Oklahoma | 2 | $ 218,000 | $ 109,000 | $ 180,000 |
| Tulsa, Oklahoma | 2 | $ 297,000 | $ 148,500 | $ 137,000 |
| Jackson, Oregon | 2 | $ 710,000 | $ 355,000 | $ 97,000 |
| Jefferson, Oregon | 2 | $ 152,000 | $ 76,000 | $ 183,000 |
| Washington, Oregon | 2 | $ 375,000 | $ 187,500 | $ 68,000 |
| York, South Carolina | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Haywood, Tennessee | 2 | $ 210,000 | $ 105,000 | $ 49,000 |
| Putnam, Tennessee | 2 | $ 75,000 | $ 37,500 | $ 120,000 |
| El Paso, Texas | 2 | $ 121,000 | $ 60,500 | $ 0 |
| Travis, Texas | 2 | $ 256,000 | $ 128,000 | $ 130,000 |
| Loudoun, Virginia | 2 | $ 782,000 | $ 391,000 | $ 156,000 |
| Newport News, Virginia | 2 | $ 102,000 | $ 51,000 | $ 0 |
| Thurston, Washington | 2 | $ 239,000 | $ 119,500 | $ 84,000 |
| Barron, Wisconsin | 2 | $ 236,000 | $ 118,000 | $ 37,000 |
| Burnett, Wisconsin | 2 | $ 290,000 | $ 145,000 | $ 100,000 |
| Chippewa, Wisconsin | 2 | $ 123,000 | $ 61,500 | $ 0 |
| Grant, Wisconsin | 2 | $ 112,000 | $ 56,000 | $ 45,000 |
| Jefferson, Wisconsin | 2 | $ 255,000 | $ 127,500 | $ 0 |
| Outagamie, Wisconsin | 2 | $ 114,000 | $ 57,000 | $ 48,000 |
| Taylor, Wisconsin | 2 | $ 104,000 | $ 52,000 | $ 28,000 |
| Waupaca, Wisconsin | 2 | $ 117,000 | $ 58,500 | $ 61,000 |
| Anchorage, Alaska | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Mohave, Arizona | 1 | $ 296,000 | $ 296,000 | $ 180,000 |
| Lake, California | 1 | $ 204,000 | $ 204,000 | $ 119,000 |
| Monterey, California | 1 | $ 346,000 | $ 346,000 | $ 0 |
| Plumas, California | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Sacramento, California | 1 | $ 248,000 | $ 248,000 | $ 72,000 |
| San Mateo, California | 1 | $ 130,000 | $ 130,000 | $ 180,000 |
| Santa Cruz, California | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Tuolumne, California | 1 | $ 380,000 | $ 380,000 | $ 78,000 |
| Eagle, Colorado | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Garfield, Colorado | 1 | $ 240,000 | $ 240,000 | $ 80,000 |
| Larimer, Colorado | 1 | $ 182,000 | $ 182,000 | $ 104,000 |
| Pitkin, Colorado | 1 | $ 833,000 | $ 833,000 | $ 272,000 |
| Routt, Colorado | 1 | $ 2,038,000 | $ 2,038,000 | $ 600,000 |
| Hartford, Connecticut | 1 | $ 272,000 | $ 272,000 | $ 66,000 |
| District of Columbia, District Of Columbia | 1 | $ 520,000 | $ 520,000 | $ 142,000 |
| Alachua, Florida | 1 | $ 231,000 | $ 231,000 | $ 69,000 |
| Glades, Florida | 1 | $ 130,000 | $ 130,000 | $ 34,000 |
| Levy, Florida | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Nassau, Florida | 1 | $ 900,000 | $ 900,000 | $ 1,372,000 |
| Santa Rosa, Florida | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Banks, Georgia | 1 | $ 700,000 | $ 700,000 | $ 199,000 |
| Barrow, Georgia | 1 | $ 100,000 | $ 100,000 | $ 84,000 |
| Bartow, Georgia | 1 | $ 268,000 | $ 268,000 | $ 96,000 |
| Elbert, Georgia | 1 | $ 108,000 | $ 108,000 | $ 58,000 |
| Hall, Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Rockdale, Georgia | 1 | $ 143,000 | $ 143,000 | $ 52,000 |
| Upson, Georgia | 1 | $ 142,000 | $ 142,000 | $ 133,000 |
| Maui, Hawaii | 1 | $ 615,000 | $ 615,000 | $ 330,000 |
| Canyon, Idaho | 1 | $ 127,000 | $ 127,000 | $ 60,000 |
| Sangamon, Illinois | 1 | $ 256,000 | $ 256,000 | $ 94,000 |
| Hamilton, Indiana | 1 | $ 192,000 | $ 192,000 | $ 93,000 |
| Butler, Iowa | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Carroll, Iowa | 1 | $ 169,000 | $ 169,000 | $ 117,000 |
| Iowa, Iowa | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Lee, Iowa | 1 | $ 150,000 | $ 150,000 | $ 82,000 |
| Linn, Iowa | 1 | $ 240,000 | $ 240,000 | $ 161,000 |
| Madison, Iowa | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Van Buren, Iowa | 1 | $ 149,000 | $ 149,000 | $ 52,000 |
| Warren, Iowa | 1 | $ 186,000 | $ 186,000 | $ 67,000 |
| York, Maine | 1 | $ 160,000 | $ 160,000 | $ 111,000 |
| Calvert, Maryland | 1 | $ 14,000 | $ 14,000 | $ 42,000 |
| Prince George's, Maryland | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 495,000 | $ 495,000 | $ 199,000 |
| Hampden, Massachusetts | 1 | $ 131,000 | $ 131,000 | $ 81,000 |
| Ingham, Michigan | 1 | $ 329,000 | $ 329,000 | $ 136,000 |
| Wayne, Michigan | 1 | $ 194,000 | $ 194,000 | $ 78,000 |
| Houston, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 41,000 |
| Itasca, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 76,000 |
| Steele, Minnesota | 1 | $ 149,000 | $ 149,000 | $ 61,000 |
| Stevens, Minnesota | 1 | $ 58,000 | $ 58,000 | $ 35,000 |
| Franklin, Missouri | 1 | $ 88,000 | $ 88,000 | $ 0 |
| St. Louis City, Missouri | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| Taney, Missouri | 1 | $ 124,000 | $ 124,000 | $ 259,000 |
| Johnson, Nebraska | 1 | $ 79,000 | $ 79,000 | $ 62,000 |
| Westchester, New York | 1 | $ 656,000 | $ 656,000 | $ 312,000 |
| Cabarrus, North Carolina | 1 | $ 178,000 | $ 178,000 | $ 112,000 |
| Craven, North Carolina | 1 | $ 374,000 | $ 374,000 | $ 106,000 |
| Pitt, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Union, North Carolina | 1 | $ 860,000 | $ 860,000 | $ 305,000 |
| Williams, North Dakota | 1 | $ 80,000 | $ 80,000 | $ 57,000 |
| Butler, Ohio | 1 | $ 268,000 | $ 268,000 | $ 108,000 |
| Hamilton, Ohio | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Clackamas, Oregon | 1 | $ 800,000 | $ 800,000 | $ 295,000 |
| Linn, Oregon | 1 | $ 240,000 | $ 240,000 | $ 45,000 |
| Delaware, Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 43,000 |
| Northampton, Pennsylvania | 1 | $ 78,000 | $ 78,000 | $ 66,000 |
| Beaufort, South Carolina | 1 | $ 3,045,000 | $ 3,045,000 | $ 900,000 |
| Newberry, South Carolina | 1 | $ 47,000 | $ 47,000 | $ 49,000 |
| Spartanburg, South Carolina | 1 | $ 159,000 | $ 159,000 | $ 48,000 |
| Custer, South Dakota | 1 | $ 280,000 | $ 280,000 | $ 52,000 |
| Sevier, Tennessee | 1 | $ 126,000 | $ 126,000 | $ 20,000 |
| Shelby, Tennessee | 1 | $ 1,500,000 | $ 1,500,000 | $ 438,000 |
| Rockwall, Texas | 1 | $ 633,000 | $ 633,000 | $ 342,000 |
| Williamson, Texas | 1 | $ 148,000 | $ 148,000 | $ 307,000 |
| Salt Lake, Utah | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Wasatch, Utah | 1 | $ 73,000 | $ 73,000 | $ 448,000 |
| Windham, Vermont | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Chesterfield, Virginia | 1 | $ 156,000 | $ 156,000 | $ 38,000 |
| Henrico, Virginia | 1 | $ 300,000 | $ 300,000 | $ 93,000 |
| Pierce, Washington | 1 | $ 192,000 | $ 192,000 | $ 97,000 |
| Skagit, Washington | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Snohomish, Washington | 1 | $ 313,000 | $ 313,000 | $ 65,000 |
| Crawford, Wisconsin | 1 | $ 221,000 | $ 221,000 | $ 62,000 |
| Dodge, Wisconsin | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Douglas, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Eau Claire, Wisconsin | 1 | $ 218,000 | $ 218,000 | $ 40,000 |
| Lafayette, Wisconsin | 1 | $ 183,000 | $ 183,000 | $ 102,000 |
| Lincoln, Wisconsin | 1 | $ 240,000 | $ 240,000 | $ 101,000 |
| Racine, Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 42,000 |
| Vilas, Wisconsin | 1 | $ 153,000 | $ 153,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bankfirst in 2006
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 | 1,332 | $359,659,000 | $270,000 | $7,000,000 | $99,000 | $2,532,000 |
| Home Purchase | 1,228 | $254,275,000 | $207,000 | $1,628,000 | $146,000 | $2,100,000 |
| Home Improvement | 70 | $19,044,000 | $272,000 | $1,275,000 | $111,000 | $1,431,000 |
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 | 1,729 | $410,378,000 | $237,000 | $7,000,000 | $138,000 | $2,221,000 |
| Black or African American | 278 | $61,660,000 | $221,000 | $2,000,000 | $84,000 | $602,000 |
| Not Provided | 275 | $67,736,000 | $246,000 | $3,500,000 | $91,000 | $2,532,000 |
| Hispanic | 214 | $57,784,000 | $270,000 | $1,312,000 | $73,000 | $427,000 |
| Asian | 107 | $28,763,000 | $268,000 | $2,000,000 | $130,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $4,676,000 | $222,000 | $900,000 | $91,000 | $180,000 |
| American Indian or Alaskan Native | 6 | $1,981,000 | $330,000 | $975,000 | $42,000 | $149,000 |
| 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) | 2,630 | $632,978,000 | $240,000 | $7,000,000 | $121,000 | $2,532,000 |
| 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 | 1,461 | $323,444,000 | $221,000 | $4,500,000 | $140,000 | $2,221,000 |
| Application Denied By Financial Institution | 709 | $193,625,000 | $273,000 | $7,000,000 | $104,000 | $2,532,000 |
| Application Approved But Not Accepted | 435 | $108,346,000 | $249,000 | $2,000,000 | $88,000 | $900,000 |
| Application Withdrawn By Applicant | 24 | $7,373,000 | $307,000 | $2,000,000 | $71,000 | $374,000 |
| File Closed For Incompleteness | 1 | $190,000 | $190,000 | $190,000 | $82,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 159 | $39,311,000 | $247,000 | $1,925,000 | $105,000 | $2,532,000 |
| Unverifiable Information | 124 | $38,054,000 | $306,000 | $3,500,000 | $106,000 | $720,000 |
| Credit Application Incomplete | 116 | $30,339,000 | $261,000 | $7,000,000 | $128,000 | $1,560,000 |
| Credit History | 114 | $31,820,000 | $279,000 | $2,145,000 | $97,000 | $1,404,000 |
| Other | 105 | $31,225,000 | $297,000 | $1,625,000 | $97,000 | $1,372,000 |
| Debt-To-Income Ratio | 59 | $14,796,000 | $250,000 | $3,255,000 | $94,000 | $444,000 |
| Employment History | 24 | $6,908,000 | $287,000 | $1,600,000 | $90,000 | $372,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,172,000 | $146,000 | $356,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankfirst's 2006 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.
For a list of all lenders in South Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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