Perkins County, SD Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 75 mortgage applications in Perkins County, SD totaling $4.7 million, down 23% from 2005. The average application was for $62,000, and applicants reported an average income of $56,000. 51% of applications resulted in an originated loan and 24% were denied. The most active lender was Dacotah Bank, with 26 applications, followed by Beneficial Company LLC and Bank of the West.
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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 | 75 |
| Total Mortgage Loan Application Amount | $4,719,000 |
| Average Mortgage Loan Application Amount | $62,000 |
| Highest Mortgage Loan Application Amount | $372,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $167,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,165,210,000 | 26 | $ 1,576,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 10 | $ 823,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,157,645,000 | 8 | $ 467,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 8 | $ 390,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 265,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 2 | $ 94,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 69,482,177,000 | 1 | $ 40,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 294,324,000 | 1 | $ 24,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 60,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 50,000 |
| The Lending Connection, Inc 5901 WARNER AVE #478 HUNTINGTON BEACH, CA 92649 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 98,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 12,218,679,000 | 1 | $ 15,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 22,481,092,000 | 1 | $ 40,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 727,328,000 | 1 | $ 35,000 |
| First National Bank 101 DIXIE HIGHWAY CHICAGO HEIGHTS, IL 60411 |
* | $ 495,438,000 | 1 | $ 69,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 5,455,865,000 | 1 | $ 71,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 1 | $ 45,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 228,345,000 | 1 | $ 45,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 536,513,000 | 1 | $ 95,000 |
| Wells Fargo Fin'l South Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 40,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 1 | $ 43,000 |
The tables below break down 2006 mortgage applications in Perkins 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 Perkins County, SD 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 | 34 | $2,872,000 | $84,000 | $372,000 | $70,000 | $167,000 |
| Home Purchase | 29 | $1,567,000 | $54,000 | $124,000 | $46,000 | $126,000 |
| Home Improvement | 12 | $280,000 | $23,000 | $75,000 | $36,000 | $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 | 65 | $3,676,000 | $56,000 | $191,000 | $54,000 | $167,000 |
| Not Provided | 6 | $455,000 | $75,000 | $140,000 | $70,000 | $120,000 |
| Not applicable | 3 | $517,000 | $172,000 | $372,000 | $49,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $71,000 | $71,000 | $71,000 | $92,000 | $92,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 70 | $4,476,000 | $63,000 | $372,000 | $57,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $130,000 | $43,000 | $69,000 | $31,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 1 | $49,000 | $49,000 | $49,000 | $25,000 | $25,000 |
| FHA-insured (Federal Housing Administration) | 1 | $64,000 | $64,000 | $64,000 | $62,000 | $62,000 |
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 | 38 | $2,254,000 | $59,000 | $372,000 | $53,000 | $167,000 |
| Application Denied By Financial Institution | 18 | $1,020,000 | $56,000 | $145,000 | $48,000 | $132,000 |
| Application Withdrawn By Applicant | 7 | $761,000 | $108,000 | $150,000 | $91,000 | $132,000 |
| Application Approved But Not Accepted | 6 | $385,000 | $64,000 | $84,000 | $66,000 | $92,000 |
| Loan Purchased By The Institution | 4 | $179,000 | $44,000 | $49,000 | $39,000 | $50,000 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $60,000 | $52,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $271,000 | $90,000 | $145,000 | $73,000 | $89,000 |
| Other | 2 | $71,000 | $35,000 | $51,000 | $33,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $14,000 | $14,000 | $14,000 | $29,000 | $29,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $48,000 | $48,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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