Sanborn County, SD Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 75 mortgage applications in Sanborn County, SD totaling $5.0 million, down 4% from 2006. The average application was for $66,000, and applicants reported an average income of $55,000. 40% of applications resulted in an originated loan and 33% were denied. The most active lender was First Nat'l Bank of S Dakota, with 9 applications, followed by Countrywide Home Loans 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 | 75 |
| Total Mortgage Loan Application Amount | $4,994,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $548,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Nat'l Bank of S Dakota 332 BROADWAY YANKTON, SD 57078 |
* | $ 411,763,000 | 9 | $ 613,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 6 | $ 457,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 300,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 5 | $ 311,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 5 | $ 307,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 650,132,000 | 4 | $ 321,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,009,911,000 | 4 | $ 205,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 4 | $ 319,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 3 | $ 107,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 197,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 312,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 551,917,000 | 2 | $ 59,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 174,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 2 | $ 306,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 445,151,000 | 2 | $ 66,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 182,588,156,000 | 1 | $ 71,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 28,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 1 | $ 135,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 50,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 1 | $ 40,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 55,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 1 | $ 27,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 96,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 32,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 21,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 1 | $ 55,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 145,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 1 | $ 10,000 |
The tables below break down 2007 mortgage applications in Sanborn 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 Sanborn County, SD in 2007
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 | 33 | $2,533,000 | $76,000 | $250,000 | $72,000 | $548,000 |
| Home Purchase | 29 | $1,867,000 | $64,000 | $145,000 | $40,000 | $101,000 |
| Home Improvement | 13 | $594,000 | $45,000 | $100,000 | $45,000 | $105,000 |
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 | $4,356,000 | $67,000 | $250,000 | $50,000 | $171,000 |
| Not applicable | 7 | $531,000 | $75,000 | $135,000 | $27,000 | $82,000 |
| Not Provided | 3 | $107,000 | $35,000 | $50,000 | $216,000 | $548,000 |
| 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) | 70 | $4,747,000 | $67,000 | $250,000 | $57,000 | $548,000 |
| FHA-insured (Federal Housing Administration) | 3 | $154,000 | $51,000 | $75,000 | $30,000 | $48,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $93,000 | $46,000 | $56,000 | $19,000 | $20,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 30 | $1,959,000 | $65,000 | $155,000 | $60,000 | $171,000 |
| Application Denied By Financial Institution | 25 | $1,481,000 | $59,000 | $250,000 | $59,000 | $548,000 |
| Loan Purchased By The Institution | 8 | $773,000 | $96,000 | $145,000 | $39,000 | $82,000 |
| Application Withdrawn By Applicant | 7 | $398,000 | $56,000 | $140,000 | $38,000 | $53,000 |
| Application Approved But Not Accepted | 4 | $255,000 | $63,000 | $107,000 | $49,000 | $96,000 |
| File Closed For Incompleteness | 1 | $128,000 | $128,000 | $128,000 | $60,000 | $60,000 |
| 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 | 6 | $442,000 | $73,000 | $250,000 | $32,000 | $57,000 |
| Other | 3 | $126,000 | $42,000 | $66,000 | $50,000 | $68,000 |
| Collateral | 2 | $123,000 | $61,000 | $96,000 | $35,000 | $42,000 |
| Debt-To-Income Ratio | 2 | $193,000 | $96,000 | $143,000 | $68,000 | $83,000 |
| Credit Application Incomplete | 1 | $49,000 | $49,000 | $49,000 | $48,000 | $48,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $19,000 | $19,000 |
| 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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