Miner County, SD Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 67 mortgage applications in Miner County, SD totaling $4.8 million, down 28% from 2003. The average application was for $71,000, and applicants reported an average income of $49,000. 49% of applications resulted in an originated loan and 30% were denied. The most active lender was Beneficial, with 14 applications, followed by Security Mortgage Corporation and Wells Fargo Bank, 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 | 67 |
| Total Mortgage Loan Application Amount | $4,786,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $336,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 14 | $ 1,315,000 |
| Security Mortgage Corporation 100 N. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 30,000,000 | 9 | $ 692,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 5 | $ 200,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 106,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 351,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 480,844,000 | 3 | $ 468,000 |
| Security Bank 100 N PHILLIPS AVE SIOUX FALLS, SD 57104 |
* | $ 131,411,000 | 3 | $ 31,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 3 | $ 321,000 |
| First Bank and Trust NA 110 N. MINNESOTA SIOUX FALLS, SD 57104 |
* | $ 126,665,000 | 2 | $ 174,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 46,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 2 | $ 265,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 368,270,000 | 2 | $ 26,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 169,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 30,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 86,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 15,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 916,388,000 | 1 | $ 45,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 786,130,000 | 1 | $ 34,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Valley Bank, N.A. 4619 E. ARROWHEAD PKWY SIOUX FALLS, SD 57110 |
* | $ 69,578,000 | 1 | $ 87,000 |
The tables below break down 2004 mortgage applications in Miner 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 Miner County, SD in 2004
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 | 44 | $3,691,000 | $83,000 | $250,000 | $55,000 | $336,000 |
| Home Purchase | 12 | $654,000 | $54,000 | $149,000 | $44,000 | $87,000 |
| Home Improvement | 11 | $441,000 | $40,000 | $236,000 | $33,000 | $60,000 |
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 | 53 | $3,678,000 | $69,000 | $250,000 | $56,000 | $336,000 |
| Not Provided | 6 | $593,000 | $98,000 | $190,000 | $45,000 | $57,000 |
| Not applicable | 4 | $421,000 | $105,000 | $160,000 | $0 | $0 |
| Black or African American | 4 | $94,000 | $23,000 | $25,000 | $26,000 | $27,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 63 | $4,473,000 | $71,000 | $250,000 | $51,000 | $336,000 |
| FHA-insured (Federal Housing Administration) | 4 | $313,000 | $78,000 | $83,000 | $30,000 | $55,000 |
| 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 | 33 | $2,376,000 | $72,000 | $250,000 | $64,000 | $336,000 |
| Application Denied By Financial Institution | 20 | $1,058,000 | $52,000 | $190,000 | $36,000 | $72,000 |
| Application Withdrawn By Applicant | 6 | $698,000 | $116,000 | $190,000 | $55,000 | $72,000 |
| Loan Purchased By The Institution | 5 | $460,000 | $92,000 | $160,000 | $24,000 | $99,000 |
| File Closed For Incompleteness | 2 | $112,000 | $56,000 | $86,000 | $39,000 | $48,000 |
| Application Approved But Not Accepted | 1 | $82,000 | $82,000 | $82,000 | $55,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 8 | $355,000 | $44,000 | $90,000 | $39,000 | $72,000 |
| Credit History | 5 | $267,000 | $53,000 | $190,000 | $27,000 | $57,000 |
| Debt-To-Income Ratio | 1 | $188,000 | $188,000 | $188,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $77,000 | $77,000 | $77,000 | $36,000 | $36,000 |
| Collateral | 1 | $90,000 | $90,000 | $90,000 | $72,000 | $72,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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