Home Federal Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Home Federal Bank 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 | Home Federal Bank P.O. Box 5000 Sioux Falls, SD 57117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,370 |
| Total Mortgage Loan Application Amount | $149,749,000 |
| Average Mortgage Loan Application Amount | $123,846 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $60,461 |
| Highest Applicant Income | $1,197,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Home Federal Bank. 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 Home Federal Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Home Federal Bank'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 Home Federal Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Home Federal Bank, 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 Home Federal Bank'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 |
|---|---|---|---|---|
| Minnehaha County South Dakota | 548 | $ 62,796,000 | $ 114,000 | $ 40,000 |
| Lincoln County South Dakota | 173 | $ 23,378,000 | $ 135,000 | $ 58,000 |
| Brown County South Dakota | 95 | $ 7,350,000 | $ 77,000 | $ 50,000 |
| Codington County South Dakota | 84 | $ 8,265,000 | $ 98,000 | $ 47,000 |
| Hughes County South Dakota | 62 | $ 6,755,000 | $ 108,000 | $ 52,000 |
| Brookings County South Dakota | 45 | $ 3,964,000 | $ 88,000 | $ 63,000 |
| Turner County South Dakota | 33 | $ 3,270,000 | $ 99,000 | $ 46,000 |
| Davison County South Dakota | 31 | $ 5,840,000 | $ 188,000 | $ 44,000 |
| Yankton County South Dakota | 22 | $ 2,017,000 | $ 91,000 | $ 35,000 |
| Moody County South Dakota | 20 | $ 1,222,000 | $ 61,000 | $ 39,000 |
| Spink County South Dakota | 20 | $ 976,000 | $ 48,000 | $ 46,000 |
| McCook County South Dakota | 18 | $ 1,675,000 | $ 93,000 | $ 34,000 |
| Hutchinson County South Dakota | 17 | $ 1,370,000 | $ 80,000 | $ 36,000 |
| Stanley County South Dakota | 17 | $ 1,653,000 | $ 97,000 | $ 34,000 |
| Tripp County South Dakota | 17 | $ 901,000 | $ 53,000 | $ 35,000 |
| Bon Homme County South Dakota | 13 | $ 1,056,000 | $ 81,000 | $ 44,000 |
| Lake County South Dakota | 11 | $ 1,709,000 | $ 155,000 | $ 61,000 |
| Union County South Dakota | 10 | $ 548,000 | $ 54,000 | $ 53,000 |
| Lyon County Minnesota | 9 | $ 762,000 | $ 84,000 | $ 43,000 |
| Hamlin County South Dakota | 9 | $ 741,000 | $ 82,000 | $ 48,000 |
| Sully County South Dakota | 9 | $ 1,717,000 | $ 190,000 | $ 47,000 |
| Walworth County South Dakota | 9 | $ 329,000 | $ 36,000 | $ 53,000 |
| Edmunds County South Dakota | 8 | $ 979,000 | $ 122,000 | $ 44,000 |
| Kingsbury County South Dakota | 8 | $ 930,000 | $ 116,000 | $ 53,000 |
| Roberts County South Dakota | 6 | $ 599,000 | $ 99,000 | $ 43,000 |
| Pennington County South Dakota | 5 | $ 474,000 | $ 94,000 | $ 68,000 |
| Clay County South Dakota | 4 | $ 679,000 | $ 169,000 | $ 87,000 |
| Lawrence County South Dakota | 4 | $ 1,010,000 | $ 252,000 | $ 72,000 |
| McPherson County South Dakota | 4 | $ 143,000 | $ 35,000 | $ 30,000 |
| Lyon County Iowa | 3 | $ 687,000 | $ 229,000 | $ 79,000 |
| Sioux County Iowa | 3 | $ 350,000 | $ 116,000 | $ 23,000 |
| Woodbury County Iowa | 3 | $ 299,000 | $ 99,000 | $ 40,000 |
| Campbell County South Dakota | 3 | $ 127,000 | $ 42,000 | $ 61,000 |
| Charles Mix County South Dakota | 3 | $ 229,000 | $ 76,000 | $ 47,000 |
| Day County South Dakota | 3 | $ 275,000 | $ 91,000 | $ 65,000 |
| Grant County South Dakota | 3 | $ 219,000 | $ 73,000 | $ 23,000 |
| Hanson County South Dakota | 3 | $ 312,000 | $ 104,000 | $ 62,000 |
| Rock County Minnesota | 2 | $ 295,000 | $ 147,000 | $ 65,000 |
| Aurora County South Dakota | 2 | $ 134,000 | $ 67,000 | $ 36,000 |
| Beadle County South Dakota | 2 | $ 179,000 | $ 89,000 | $ 35,000 |
| Deuel County South Dakota | 2 | $ 435,000 | $ 217,000 | $ 149,000 |
| Fall River County South Dakota | 2 | $ 238,000 | $ 119,000 | $ 42,000 |
| Faulk County South Dakota | 2 | $ 174,000 | $ 87,000 | $ 65,000 |
| Meade County South Dakota | 2 | $ 208,000 | $ 104,000 | $ 19,000 |
| Mellette County South Dakota | 2 | $ 160,000 | $ 80,000 | $ 38,000 |
| Sanborn County South Dakota | 2 | $ 68,000 | $ 34,000 | $ 43,000 |
| Dickinson County Iowa | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| O'Brien County Iowa | 1 | $ 104,000 | $ 104,000 | $ 78,000 |
| Murray County Minnesota | 1 | $ 170,000 | $ 170,000 | $ 32,000 |
| Nobles County Minnesota | 1 | $ 136,000 | $ 136,000 | $ 79,000 |
| Olmsted County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 70,000 |
| Yellow Medicine County Minnesota | 1 | $ 59,000 | $ 59,000 | $ 17,000 |
| Knox County Nebraska | 1 | $ 221,000 | $ 221,000 | $ 214,000 |
| Lancaster County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Grand Forks County North Dakota | 1 | $ 32,000 | $ 32,000 | $ 10,000 |
| Brule County South Dakota | 1 | $ 168,000 | $ 168,000 | $ 69,000 |
| Clark County South Dakota | 1 | $ 38,000 | $ 38,000 | $ 83,000 |
| Corson County South Dakota | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Custer County South Dakota | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| Hand County South Dakota | 1 | $ 112,000 | $ 112,000 | $ 65,000 |
| Jerauld County South Dakota | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Todd County South Dakota | 1 | $ 43,000 | $ 43,000 | $ 49,000 |
| Crook County Wyoming | 1 | $ 359,000 | $ 359,000 | $ 0 |
Mortgage Loan Application Detail Totals for Home Federal Bank 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 | 647 | $77,095,000 | $176,400 | $3,500,000 | $43,200 | $333,000 |
| Refinancing | 532 | $69,045,000 | $160,250 | $937,000 | $92,500 | $1,197,000 |
| Home Improvement | 191 | $3,609,000 | $21,750 | $161,000 | $50,000 | $264,000 |
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 | 1,294 | $138,600,000 | $152,666 | $937,000 | $49,833 | $1,197,000 |
| Hispanic | 19 | $1,928,000 | $101,000 | $271,000 | $48,000 | $125,000 |
| Not Provided | 18 | $710,000 | $39,000 | $149,000 | $37,000 | $110,000 |
| American Indian or Alaskan Native | 14 | $1,051,000 | $75,000 | $268,000 | $54,000 | $119,000 |
| Black or African American | 10 | $1,379,000 | $137,000 | $315,000 | $48,000 | $250,000 |
| Asian | 8 | $1,035,000 | $129,000 | $186,000 | $44,000 | $109,000 |
| Not applicable | 7 | $5,046,000 | $720,000 | $3,500,000 | $21,000 | $140,000 |
| 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) | 1,129 | $125,540,000 | $153,833 | $3,500,000 | $50,833 | $1,197,000 |
| FHA-insured (Federal Housing Administration) | 156 | $15,603,000 | $84,333 | $175,000 | $32,333 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $4,311,000 | $78,000 | $151,000 | $32,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 30 | $4,295,000 | $196,000 | $329,000 | $69,500 | $142,000 |
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 | 1,032 | $118,291,000 | $152,750 | $3,500,000 | $92,500 | $1,197,000 |
| Application Denied By Financial Institution | 193 | $16,351,000 | $130,000 | $425,000 | $41,000 | $590,000 |
| Application Withdrawn By Applicant | 144 | $15,029,000 | $153,600 | $525,000 | $40,800 | $333,000 |
| Application Approved But Not Accepted | 1 | $78,000 | $78,000 | $78,000 | $48,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 92 | $6,026,000 | $84,500 | $425,000 | $59,000 | $130,000 |
| Debt-To-Income Ratio | 34 | $3,289,000 | $66,666 | $372,000 | $24,333 | $590,000 |
| Credit Application Incomplete | 33 | $3,996,000 | $213,666 | $300,000 | $39,666 | $124,000 |
| Collateral | 16 | $1,396,000 | $55,500 | $240,000 | $55,500 | $105,000 |
| Other | 13 | $1,160,000 | $89,000 | $134,000 | $38,000 | $82,000 |
| Employment History | 3 | $248,000 | $82,000 | $142,000 | $34,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $110,000 | $110,000 | $110,000 | $88,000 | $88,000 |
| Unverifiable Information | 1 | $126,000 | $126,000 | $126,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal Bank'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 Home Federal Bank'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.