Shannon County, SD Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 92 mortgage applications in Shannon County, SD totaling $2.9 million. The average application was for $31,000, and applicants reported an average income of $34,000. 43% of applications resulted in an originated loan and 50% were denied. The most active lender was Security First Bank, with 35 applications, followed by Chase Manhattan Bank USA, NA and Origen Financial Services LLC.
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| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 92 |
| Total Mortgage Loan Application Amount | $2,905,000 |
| Average Mortgage Loan Application Amount | $31,000 |
| Highest Mortgage Loan Application Amount | $130,000 |
| Average Applicant Income | $34,000 |
| Highest Applicant Income | $150,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 449,648,000 | 35 | $ 513,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 12 | $ 476,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 8 | $ 330,000 |
| Oakwood Acceptance Corporation 7800 MCCLOUD ROAD GREENSBORO, NC 27409 |
* | $ 10,000,000 | 6 | $ 306,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 6 | $ 451,000 |
| Wells Fargo Bank Nevada, NA 4406 PIEDRAS DR W, A SEFCIK, T5600-021 SAN ANTONIO, TX 78228 |
* | $ 9,915,389,000 | 5 | $ 16,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 138,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 2 | $ 140,000 |
| Wells Fargo Bank South Dakota 4406 PIEDRAS DR W, A SEFCIK, T5600-021 SAN ANTONIO, TX 78228 |
* | $ 9,239,090,000 | 2 | $ 46,000 |
| Wells Fargo Fin'l South Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 18,988,174,000 | 2 | $ 30,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 413,718,000 | 2 | $ 35,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 1,000 |
| Community First National Bank 520 MAIN AVENUE FARGO, ND 58124 |
* | $ 5,783,567,000 | 1 | $ 3,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 26,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 295,182,000 | 1 | $ 13,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 1 | $ 120,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 2,437,029,000 | 1 | $ 17,000 |
The tables below break down 2003 mortgage applications in Shannon 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 Shannon County, SD in 2003
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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 51 | $1,521,000 | $29,000 | $87,000 | $31,000 | $150,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 33 | $1,352,000 | $40,000 | $130,000 | $37,000 | $120,000 |
| Home Improvement (one-to-four family) | 8 | $32,000 | $4,000 | $10,000 | $40,000 | $60,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 72 | $1,927,000 | $26,000 | $90,000 | $30,000 | $85,000 |
| Information not provided by applicant in mail or telephone application | 10 | $523,000 | $52,000 | $130,000 | $48,000 | $120,000 |
| White | 7 | $250,000 | $35,000 | $65,000 | $49,000 | $150,000 |
| Not applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Black | 1 | $99,000 | $99,000 | $99,000 | $0 | $0 |
| Hispanic | 1 | $61,000 | $61,000 | $61,000 | $48,000 | $48,000 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 86 | $2,442,000 | $28,000 | $130,000 | $37,000 | $150,000 |
| FHA-insured (Federal Housing Administration) | 5 | $364,000 | $72,000 | $87,000 | $17,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 1 | $99,000 | $99,000 | $99,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 46 | $1,571,000 | $34,000 | $130,000 | $40,000 | $150,000 |
| Loan Originated | 40 | $1,042,000 | $26,000 | $87,000 | $24,000 | $60,000 |
| Application Approved But Not Accepted | 5 | $247,000 | $49,000 | $120,000 | $41,000 | $87,000 |
| Loan Purchased By The Institution | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 11 | $292,000 | $26,000 | $99,000 | $27,000 | $48,000 |
| Other | 4 | $81,000 | $20,000 | $46,000 | $44,000 | $60,000 |
| Collateral | 3 | $249,000 | $83,000 | $130,000 | $58,000 | $85,000 |
| Employment History | 2 | $89,000 | $44,000 | $51,000 | $29,000 | $32,000 |
| Credit Application Incomplete | 1 | $80,000 | $80,000 | $80,000 | $120,000 | $120,000 |
| Debt-To-Income Ratio | 1 | $36,000 | $36,000 | $36,000 | $30,000 | $30,000 |
| 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 |
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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