Roberts County, SD Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 175 mortgage applications in Roberts County, SD totaling $21.2 million, down 7% from 2011. The average application was for $121,000, and applicants reported an average income of $77,000. 67% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 55 applications, followed by Dacotah Bank and Great Western Bank.
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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 | 175 |
| Total Mortgage Loan Application Amount | $21,236,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $844,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,137,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 55 | $ 6,174,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,902,620,000 | 53 | $ 6,741,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,458,002,000 | 11 | $ 861,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 847,317,000 | 8 | $ 738,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 7 | $ 888,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 742,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 481,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 414,758,000 | 4 | $ 1,421,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,224,205,000 | 4 | $ 399,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 266,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 81,000 |
| Star Bank 201 2ND AVENUE NW BERTHA, MN 56437 |
* | $ 149,255,000 | 1 | $ 409,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,119,448,000 | 1 | $ 29,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,294,743,000 | 1 | $ 3,000 |
| Voyage Federal Credit Union 3823 KIWANIS CIR SIOUX FALLS, SD 57105 |
* | $ 67,157,000 | 1 | $ 23,000 |
| Mill City Credit Union 9999 WAYZATA BOULEVARD MINNETONKA, MN 55305 |
* | $ 285,094,000 | 1 | $ 200,000 |
| Farmers State Bank of Canton 220 E 5TH ST/ PO BOX178 CANTON, SD 57013 |
* | $ 44,775,000 | 1 | $ 193,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 8,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 846,417,000 | 1 | $ 234,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,241,069,000 | 1 | $ 89,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 435,944,000 | 1 | $ 25,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 63,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 148,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 127,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 223,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 19,007,020,000 | 1 | $ 2,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 120,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 100,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 100,000 |
The tables below break down 2012 mortgage applications in Roberts 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 Roberts County, SD in 2012
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 | 107 | $16,189,000 | $151,000 | $844,000 | $91,000 | $1,137,000 |
| Home Purchase | 57 | $4,795,000 | $84,000 | $209,000 | $56,000 | $327,000 |
| Home Improvement | 11 | $252,000 | $22,000 | $63,000 | $49,000 | $103,000 |
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 | 135 | $16,870,000 | $124,000 | $844,000 | $93,000 | $1,137,000 |
| Not applicable | 19 | $2,686,000 | $141,000 | $423,000 | $0 | $0 |
| American Indian or Alaskan Native | 12 | $926,000 | $77,000 | $180,000 | $29,000 | $50,000 |
| Not Provided | 7 | $677,000 | $96,000 | $173,000 | $77,000 | $134,000 |
| Hispanic | 2 | $77,000 | $38,000 | $74,000 | $30,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 145 | $18,929,000 | $130,000 | $844,000 | $88,000 | $1,137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $894,000 | $68,000 | $124,000 | $22,000 | $46,000 |
| FHA-insured (Federal Housing Administration) | 12 | $969,000 | $80,000 | $180,000 | $20,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 5 | $444,000 | $88,000 | $134,000 | $49,000 | $76,000 |
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 | 117 | $15,469,000 | $132,000 | $844,000 | $91,000 | $1,137,000 |
| Application Denied By Financial Institution | 28 | $1,983,000 | $70,000 | $200,000 | $58,000 | $235,000 |
| Loan Purchased By The Institution | 18 | $2,141,000 | $118,000 | $416,000 | $9,000 | $111,000 |
| Application Approved But Not Accepted | 7 | $940,000 | $134,000 | $340,000 | $96,000 | $134,000 |
| Application Withdrawn By Applicant | 4 | $551,000 | $137,000 | $181,000 | $75,000 | $124,000 |
| File Closed For Incompleteness | 1 | $152,000 | $152,000 | $152,000 | $84,000 | $84,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $319,000 | $39,000 | $200,000 | $61,000 | $137,000 |
| Collateral | 4 | $446,000 | $111,000 | $170,000 | $64,000 | $101,000 |
| Other | 2 | $152,000 | $76,000 | $120,000 | $67,000 | $112,000 |
| Debt-To-Income Ratio | 2 | $206,000 | $103,000 | $146,000 | $43,000 | $47,000 |
| Unverifiable Information | 1 | $180,000 | $180,000 | $180,000 | $235,000 | $235,000 |
| Credit Application Incomplete | 1 | $83,000 | $83,000 | $83,000 | $54,000 | $54,000 |
| 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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