Home Federal Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Home Federal Bank 2015 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 225 S Main Sioux Falls, SD 57104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 |
| Total Number of Mortgage Applications | 1,730 |
| Total Mortgage Loan Application Amount | $283,410,000 |
| Average Mortgage Loan Application Amount | $141,333 |
| Highest Mortgage Loan Application Amount | $6,840,000 |
| Average Applicant Income | $80,666 |
| Highest Applicant Income | $1,081,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 626 | $ 95,395,000 | $ 152,000 | $ 81,000 |
| Lincoln County South Dakota | 226 | $ 40,633,000 | $ 179,000 | $ 94,000 |
| Brown County South Dakota | 154 | $ 19,552,000 | $ 126,000 | $ 63,000 |
| Yankton County South Dakota | 118 | $ 16,376,000 | $ 138,000 | $ 70,000 |
| Codington County South Dakota | 74 | $ 9,289,000 | $ 125,000 | $ 67,000 |
| Lyon County Minnesota | 51 | $ 6,799,000 | $ 133,000 | $ 98,000 |
| Brookings County South Dakota | 42 | $ 5,095,000 | $ 121,000 | $ 78,000 |
| Davison County South Dakota | 32 | $ 5,478,000 | $ 171,000 | $ 74,000 |
| Moody County South Dakota | 29 | $ 3,559,000 | $ 122,000 | $ 77,000 |
| Turner County South Dakota | 29 | $ 2,996,000 | $ 103,000 | $ 68,000 |
| Hughes County South Dakota | 18 | $ 2,610,000 | $ 145,000 | $ 72,000 |
| Lake County South Dakota | 18 | $ 2,927,000 | $ 162,000 | $ 111,000 |
| Pennington County South Dakota | 18 | $ 2,373,000 | $ 131,000 | $ 68,000 |
| Hennepin County Minnesota | 16 | $ 3,500,000 | $ 218,000 | $ 121,000 |
| Hamlin County South Dakota | 16 | $ 1,912,000 | $ 119,000 | $ 75,000 |
| Hutchinson County South Dakota | 15 | $ 1,235,000 | $ 82,000 | $ 63,000 |
| Cass County North Dakota | 14 | $ 20,068,000 | $ 1,433,000 | $ 0 |
| Clay County Minnesota | 13 | $ 2,808,000 | $ 216,000 | $ 4,000 |
| Bon Homme County South Dakota | 13 | $ 947,000 | $ 72,000 | $ 51,000 |
| Crow Wing County Minnesota | 12 | $ 2,310,000 | $ 192,000 | $ 112,000 |
| Boone County Missouri | 10 | $ 1,746,000 | $ 174,000 | $ 0 |
| Clay County South Dakota | 9 | $ 1,298,000 | $ 144,000 | $ 70,000 |
| Hanson County South Dakota | 9 | $ 1,119,000 | $ 124,000 | $ 84,000 |
| Charles Mix County South Dakota | 7 | $ 1,371,000 | $ 195,000 | $ 78,000 |
| Union County South Dakota | 7 | $ 752,000 | $ 107,000 | $ 90,000 |
| Kingsbury County South Dakota | 6 | $ 829,000 | $ 138,000 | $ 84,000 |
| McCook County South Dakota | 6 | $ 332,000 | $ 55,000 | $ 53,000 |
| Dakota County Minnesota | 5 | $ 1,617,000 | $ 323,000 | $ 196,000 |
| Scott County Minnesota | 5 | $ 1,659,000 | $ 331,000 | $ 90,000 |
| Aurora County South Dakota | 5 | $ 451,000 | $ 90,000 | $ 144,000 |
| Deuel County South Dakota | 5 | $ 533,000 | $ 106,000 | $ 51,000 |
| Lawrence County South Dakota | 5 | $ 892,000 | $ 178,000 | $ 178,000 |
| Roberts County South Dakota | 5 | $ 1,146,000 | $ 229,000 | $ 108,000 |
| Cass County Minnesota | 4 | $ 1,484,000 | $ 371,000 | $ 235,000 |
| Lincoln County Minnesota | 4 | $ 978,000 | $ 244,000 | $ 126,000 |
| Rock County Minnesota | 4 | $ 508,000 | $ 127,000 | $ 77,000 |
| Yellow Medicine County Minnesota | 4 | $ 646,000 | $ 161,000 | $ 82,000 |
| Day County South Dakota | 4 | $ 445,000 | $ 111,000 | $ 143,000 |
| Edmunds County South Dakota | 4 | $ 570,000 | $ 142,000 | $ 145,000 |
| Grant County South Dakota | 4 | $ 295,000 | $ 73,000 | $ 66,000 |
| Marshall County South Dakota | 4 | $ 402,000 | $ 100,000 | $ 45,000 |
| Lyon County Iowa | 3 | $ 782,000 | $ 260,000 | $ 99,000 |
| Anoka County Minnesota | 3 | $ 266,000 | $ 88,000 | $ 49,000 |
| Jerauld County South Dakota | 3 | $ 151,000 | $ 50,000 | $ 78,000 |
| Meade County South Dakota | 3 | $ 516,000 | $ 172,000 | $ 67,000 |
| Potter County South Dakota | 3 | $ 249,000 | $ 83,000 | $ 50,000 |
| Spink County South Dakota | 3 | $ 287,000 | $ 95,000 | $ 58,000 |
| St. Croix County Wisconsin | 3 | $ 790,000 | $ 263,000 | $ 104,000 |
| Carver County Minnesota | 2 | $ 452,000 | $ 226,000 | $ 108,000 |
| Chippewa County Minnesota | 2 | $ 193,000 | $ 96,000 | $ 88,000 |
| Douglas County Minnesota | 2 | $ 353,000 | $ 176,000 | $ 167,000 |
| Kanabec County Minnesota | 2 | $ 478,000 | $ 239,000 | $ 81,000 |
| Meeker County Minnesota | 2 | $ 414,000 | $ 207,000 | $ 106,000 |
| Nobles County Minnesota | 2 | $ 225,000 | $ 112,000 | $ 50,000 |
| Pipestone County Minnesota | 2 | $ 495,000 | $ 247,000 | $ 117,000 |
| Ramsey County Minnesota | 2 | $ 617,000 | $ 308,000 | $ 398,000 |
| Knox County Nebraska | 2 | $ 89,000 | $ 44,000 | $ 47,000 |
| Campbell County South Dakota | 2 | $ 468,000 | $ 234,000 | $ 45,000 |
| Clark County South Dakota | 2 | $ 159,000 | $ 79,000 | $ 55,000 |
| Douglas County South Dakota | 2 | $ 119,000 | $ 59,000 | $ 50,000 |
| Gregory County South Dakota | 2 | $ 270,000 | $ 135,000 | $ 75,000 |
| McPherson County South Dakota | 2 | $ 54,000 | $ 27,000 | $ 29,000 |
| Sanborn County South Dakota | 2 | $ 73,000 | $ 36,000 | $ 78,000 |
| Stanley County South Dakota | 2 | $ 231,000 | $ 115,000 | $ 47,000 |
| Walworth County South Dakota | 2 | $ 251,000 | $ 125,000 | $ 79,000 |
| Collin County Texas | 2 | $ 570,000 | $ 285,000 | $ 60,000 |
| Maricopa County Arizona | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| El Paso County Colorado | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Collier County Florida | 1 | $ 330,000 | $ 330,000 | $ 79,000 |
| Lee County Florida | 1 | $ 409,000 | $ 409,000 | $ 456,000 |
| Woodbury County Iowa | 1 | $ 159,000 | $ 159,000 | $ 50,000 |
| Sedgwick County Kansas | 1 | $ 220,000 | $ 220,000 | $ 93,000 |
| Oxford County Maine | 1 | $ 131,000 | $ 131,000 | $ 86,000 |
| Martin County Minnesota | 1 | $ 133,000 | $ 133,000 | $ 34,000 |
| Olmsted County Minnesota | 1 | $ 400,000 | $ 400,000 | $ 24,000 |
| St. Louis County Minnesota | 1 | $ 123,000 | $ 123,000 | $ 230,000 |
| Callaway County Missouri | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Cedar County Nebraska | 1 | $ 92,000 | $ 92,000 | $ 59,000 |
| Gosper County Nebraska | 1 | $ 56,000 | $ 56,000 | $ 133,000 |
| Kearney County Nebraska | 1 | $ 169,000 | $ 169,000 | $ 129,000 |
| Madison County Nebraska | 1 | $ 139,000 | $ 139,000 | $ 169,000 |
| Somerset County New Jersey | 1 | $ 430,000 | $ 430,000 | $ 204,000 |
| Burleigh County North Dakota | 1 | $ 6,137,000 | $ 6,137,000 | $ 0 |
| Butte County South Dakota | 1 | $ 92,000 | $ 92,000 | $ 57,000 |
| Hand County South Dakota | 1 | $ 59,000 | $ 59,000 | $ 76,000 |
| Mellette County South Dakota | 1 | $ 33,000 | $ 33,000 | $ 90,000 |
| Miner County South Dakota | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Tripp County South Dakota | 1 | $ 28,000 | $ 28,000 | $ 48,000 |
| Natrona County Wyoming | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Home Federal Bank in 2015
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 | 806 | $154,481,000 | $191,000 | $6,840,000 | $75,000 | $953,000 |
| Refinancing | 652 | $112,240,000 | $172,000 | $6,350,000 | $86,000 | $1,081,000 |
| Home Improvement | 272 | $16,689,000 | $61,000 | $1,024,000 | $81,000 | $782,000 |
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 | 1,585 | $230,070,000 | $145,000 | $1,450,000 | $82,000 | $1,081,000 |
| Not applicable | 50 | $39,872,000 | $797,000 | $6,840,000 | $0 | $0 |
| Hispanic | 27 | $4,226,000 | $156,000 | $941,000 | $77,000 | $257,000 |
| Black or African American | 22 | $3,177,000 | $144,000 | $417,000 | $80,000 | $255,000 |
| Not Provided | 20 | $2,667,000 | $133,000 | $430,000 | $111,000 | $346,000 |
| Asian | 15 | $2,297,000 | $153,000 | $414,000 | $96,000 | $431,000 |
| American Indian or Alaskan Native | 11 | $1,101,000 | $100,000 | $205,000 | $59,000 | $145,000 |
| 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) | 1,362 | $229,384,000 | $168,000 | $6,840,000 | $85,000 | $1,081,000 |
| FHA-insured (Federal Housing Administration) | 151 | $22,058,000 | $146,000 | $276,000 | $61,000 | $299,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 123 | $14,600,000 | $118,000 | $244,000 | $44,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 94 | $17,368,000 | $184,000 | $505,000 | $75,000 | $210,000 |
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 | 1,275 | $224,913,000 | $176,000 | $6,840,000 | $83,000 | $953,000 |
| Application Denied By Financial Institution | 222 | $26,096,000 | $117,000 | $900,000 | $68,000 | $705,000 |
| Application Withdrawn By Applicant | 222 | $30,452,000 | $137,000 | $430,000 | $81,000 | $1,081,000 |
| Loan Purchased By The Institution | 11 | $1,949,000 | $177,000 | $316,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 85 | $8,432,000 | $99,000 | $407,000 | $48,000 | $187,000 |
| Credit History | 71 | $7,483,000 | $105,000 | $900,000 | $73,000 | $705,000 |
| Collateral | 31 | $5,130,000 | $165,000 | $417,000 | $98,000 | $540,000 |
| Credit Application Incomplete | 17 | $2,530,000 | $148,000 | $417,000 | $79,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $868,000 | $144,000 | $190,000 | $89,000 | $160,000 |
| Other | 6 | $897,000 | $149,000 | $400,000 | $80,000 | $122,000 |
| Employment History | 4 | $547,000 | $136,000 | $190,000 | $51,000 | $78,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal Bank's 2015 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.