Perkins County, SD Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 45 mortgage applications in Perkins County, SD totaling $7.8 million, down 22% from 2010. The average application was for $172,000, and applicants reported an average income of $90,000. 69% of applications resulted in an originated loan and 16% were denied. The most active lender was Dacotah Bank, with 13 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 | 45 |
| Total Mortgage Loan Application Amount | $7,757,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $430,000 |
| 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 |
* | $ 1,801,691,000 | 13 | $ 3,359,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 7 | $ 890,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 6 | $ 389,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 653,027,000 | 4 | $ 804,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 3 | $ 171,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 3 | $ 172,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 144,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 743,483,000 | 2 | $ 116,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 418,583,000 | 2 | $ 1,535,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 54,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 877,408,000 | 1 | $ 58,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 65,000 |
The tables below break down 2011 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 2011
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 | 24 | $6,610,000 | $275,000 | $785,000 | $132,000 | $430,000 |
| Home Purchase | 18 | $1,037,000 | $57,000 | $127,000 | $42,000 | $143,000 |
| Home Improvement | 3 | $110,000 | $36,000 | $88,000 | $45,000 | $52,000 |
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 | 39 | $6,557,000 | $168,000 | $785,000 | $100,000 | $430,000 |
| Not applicable | 3 | $904,000 | $301,000 | $426,000 | $0 | $0 |
| Not Provided | 2 | $169,000 | $84,000 | $87,000 | $44,000 | $88,000 |
| American Indian or Alaskan Native | 1 | $127,000 | $127,000 | $127,000 | $55,000 | $55,000 |
| 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) | 30 | $5,418,000 | $180,000 | $750,000 | $115,000 | $430,000 |
| FHA-insured (Federal Housing Administration) | 6 | $392,000 | $65,000 | $127,000 | $19,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,728,000 | $288,000 | $785,000 | $67,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 3 | $219,000 | $73,000 | $108,000 | $27,000 | $56,000 |
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 | 31 | $6,496,000 | $209,000 | $785,000 | $107,000 | $430,000 |
| Application Denied By Financial Institution | 7 | $882,000 | $126,000 | $577,000 | $87,000 | $300,000 |
| Loan Purchased By The Institution | 3 | $161,000 | $53,000 | $54,000 | $18,000 | $37,000 |
| Application Withdrawn By Applicant | 2 | $93,000 | $46,000 | $62,000 | $45,000 | $56,000 |
| File Closed For Incompleteness | 1 | $82,000 | $82,000 | $82,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $43,000 | $43,000 | $43,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2 | $88,000 | $44,000 | $58,000 | $28,000 | $32,000 |
| Other | 2 | $642,000 | $321,000 | $577,000 | $221,000 | $300,000 |
| Credit History | 1 | $17,000 | $17,000 | $17,000 | $52,000 | $52,000 |
| 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 |
| Unverifiable Information | 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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