Perkins County, SD Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 59 mortgage applications in Perkins County, SD totaling $7.0 million, down 20% from 2008. The average application was for $118,000, and applicants reported an average income of $70,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Dacotah Bank, with 22 applications, followed by Bank of the West 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 | 59 |
| Total Mortgage Loan Application Amount | $6,973,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $637,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $459,000 |
| 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 |
* | $ 1,585,164,000 | 22 | $ 3,265,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 9 | $ 579,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 7 | $ 363,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 3 | $ 263,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 370,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 4,294,977,000 | 2 | $ 630,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 86,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 117,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 78,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 714,132,000 | 1 | $ 55,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 58,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 40,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 1 | $ 126,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 624,834,000 | 1 | $ 26,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 359,621,000 | 1 | $ 126,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 121,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 121,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 955,409,000 | 1 | $ 302,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 212,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 35,000 |
The tables below break down 2009 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 2009
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 | 38 | $5,640,000 | $148,000 | $637,000 | $71,000 | $459,000 |
| Home Purchase | 13 | $800,000 | $61,000 | $107,000 | $45,000 | $80,000 |
| Home Improvement | 8 | $533,000 | $66,000 | $335,000 | $106,000 | $352,000 |
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 | 50 | $6,077,000 | $121,000 | $637,000 | $71,000 | $459,000 |
| Not Provided | 3 | $460,000 | $153,000 | $335,000 | $151,000 | $352,000 |
| Hispanic | 3 | $50,000 | $16,000 | $20,000 | $17,000 | $25,000 |
| Not applicable | 2 | $265,000 | $132,000 | $212,000 | $38,000 | $77,000 |
| Asian | 1 | $121,000 | $121,000 | $121,000 | $0 | $0 |
| Black or African American | 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 |
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) | 49 | $6,196,000 | $126,000 | $637,000 | $79,000 | $459,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $330,000 | $66,000 | $107,000 | $31,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 3 | $322,000 | $107,000 | $121,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 2 | $125,000 | $62,000 | $86,000 | $43,000 | $45,000 |
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 | 33 | $4,765,000 | $144,000 | $637,000 | $79,000 | $459,000 |
| Application Denied By Financial Institution | 13 | $1,197,000 | $92,000 | $260,000 | $54,000 | $90,000 |
| Application Withdrawn By Applicant | 5 | $159,000 | $31,000 | $58,000 | $84,000 | $168,000 |
| Loan Purchased By The Institution | 5 | $641,000 | $128,000 | $212,000 | $47,000 | $97,000 |
| Application Approved But Not Accepted | 3 | $211,000 | $70,000 | $100,000 | $52,000 | $64,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $357,000 | $89,000 | $117,000 | $64,000 | $90,000 |
| Debt-To-Income Ratio | 2 | $190,000 | $95,000 | $123,000 | $35,000 | $42,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Other | 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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