Perkins County, SD Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 74 mortgage applications in Perkins County, SD totaling $5.4 million, down 17% from 2007. The average application was for $72,000, and applicants reported an average income of $86,000. 61% of applications resulted in an originated loan and 22% were denied. The most active lender was Dacotah Bank, with 28 applications, followed by Bank of the West and Beneficial Company LLC.
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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 | 74 |
| Total Mortgage Loan Application Amount | $5,389,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $582,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,023,000 |
| 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 |
* | $ 1,388,138,000 | 28 | $ 1,823,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 6 | $ 424,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 433,000 |
| First Western Bank Sturgis PO BOX 9 STURGIS, SD 57785 |
* | $ 413,686,000 | 5 | $ 1,197,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 5 | $ 345,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 4 | $ 239,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 309,958,000 | 2 | $ 16,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 143,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 204,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 82,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 21,000 |
| 1st Financial Bank USA 331 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ 316,236,000 | 1 | $ 6,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 327,274,000 | 1 | $ 9,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 47,000 |
| Bremer Bank NA (St Cloud) 1100 ST GERMAIN ST CLOUD, MN 56301 |
* | $ 682,855,000 | 1 | $ 69,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 594,864,000 | 1 | $ 34,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 76,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 32,000 |
| Wells Fargo Fin'l South Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 23,000 |
| Farmers State Bank P.O. BOX 187 FAITH, SD 57626 |
* | $ 40,682,000 | 1 | $ 50,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 1 | $ 35,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 28,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 53,000 |
The tables below break down 2008 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 2008
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 | 36 | $3,574,000 | $99,000 | $582,000 | $122,000 | $1,023,000 |
| Home Purchase | 27 | $1,395,000 | $51,000 | $114,000 | $49,000 | $108,000 |
| Home Improvement | 11 | $420,000 | $38,000 | $153,000 | $58,000 | $148,000 |
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 | 69 | $5,083,000 | $73,000 | $582,000 | $89,000 | $1,023,000 |
| Not applicable | 4 | $278,000 | $69,000 | $119,000 | $37,000 | $148,000 |
| Not Provided | 1 | $28,000 | $28,000 | $28,000 | $44,000 | $44,000 |
| 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 |
| 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) | 67 | $4,734,000 | $70,000 | $582,000 | $89,000 | $1,023,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $346,000 | $115,000 | $255,000 | $62,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 2 | $147,000 | $73,000 | $114,000 | $56,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 2 | $162,000 | $81,000 | $82,000 | $46,000 | $47,000 |
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 | 45 | $3,658,000 | $81,000 | $582,000 | $111,000 | $1,023,000 |
| Application Denied By Financial Institution | 16 | $876,000 | $54,000 | $105,000 | $43,000 | $100,000 |
| Loan Purchased By The Institution | 5 | $294,000 | $58,000 | $82,000 | $50,000 | $58,000 |
| Application Withdrawn By Applicant | 4 | $307,000 | $76,000 | $100,000 | $66,000 | $148,000 |
| Application Approved But Not Accepted | 3 | $174,000 | $58,000 | $70,000 | $46,000 | $70,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $47,000 | $47,000 |
| 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 | $184,000 | $61,000 | $76,000 | $39,000 | $43,000 |
| Other | 1 | $63,000 | $63,000 | $63,000 | $100,000 | $100,000 |
| Unverifiable Information | 1 | $50,000 | $50,000 | $50,000 | $18,000 | $18,000 |
| Credit History | 1 | $17,000 | $17,000 | $17,000 | $37,000 | $37,000 |
| Debt-To-Income Ratio | 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 |
| Credit Application Incomplete | 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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