Shannon County, SD Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 101 mortgage applications in Shannon County, SD totaling $3.5 million, up 10% from 2003. The average application was for $34,000, and applicants reported an average income of $45,000. 29% of applications resulted in an originated loan and 48% were denied. The most active lender was Security First Bank, with 37 applications, followed by Wells Fargo Bank, NA and 21st Mortgage.
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| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 101 |
| Total Mortgage Loan Application Amount | $3,475,000 |
| Average Mortgage Loan Application Amount | $34,000 |
| Highest Mortgage Loan Application Amount | $147,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $360,000 |
| 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 |
* | $ 452,693,000 | 37 | $ 530,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 12 | $ 685,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 762,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 11 | $ 340,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 9 | $ 588,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 5 | $ 93,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 29,300,245,000 | 2 | $ 7,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 28,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 122,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 15,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 13,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 3,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 36,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Wells Fargo Fin'l South Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 10,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 38,000 |
The tables below break down 2004 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 2004
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 | 54 | $2,009,000 | $37,000 | $85,000 | $40,000 | $350,000 |
| Refinancing | 31 | $1,260,000 | $40,000 | $147,000 | $58,000 | $360,000 |
| Home Improvement | 16 | $206,000 | $12,000 | $68,000 | $35,000 | $65,000 |
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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 62 | $1,578,000 | $25,000 | $147,000 | $40,000 | $350,000 |
| Not Provided | 19 | $1,115,000 | $58,000 | $85,000 | $66,000 | $360,000 |
| Not applicable | 10 | $315,000 | $31,000 | $58,000 | $0 | $0 |
| White | 4 | $241,000 | $60,000 | $77,000 | $29,000 | $43,000 |
| Hispanic | 4 | $149,000 | $37,000 | $70,000 | $37,000 | $60,000 |
| Black or African American | 2 | $77,000 | $38,000 | $64,000 | $31,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 92 | $2,741,000 | $29,000 | $85,000 | $44,000 | $360,000 |
| FHA-insured (Federal Housing Administration) | 8 | $677,000 | $84,000 | $147,000 | $55,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 1 | $57,000 | $57,000 | $57,000 | $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 | 48 | $1,772,000 | $36,000 | $85,000 | $49,000 | $360,000 |
| Loan Originated | 29 | $661,000 | $22,000 | $147,000 | $49,000 | $350,000 |
| Loan Purchased By The Institution | 11 | $400,000 | $36,000 | $85,000 | $16,000 | $33,000 |
| Application Approved But Not Accepted | 7 | $249,000 | $35,000 | $85,000 | $42,000 | $120,000 |
| File Closed For Incompleteness | 4 | $310,000 | $77,000 | $114,000 | $23,000 | $40,000 |
| Application Withdrawn By Applicant | 2 | $83,000 | $41,000 | $82,000 | $33,000 | $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 | 7 | $111,000 | $15,000 | $68,000 | $102,000 | $360,000 |
| Collateral | 4 | $260,000 | $65,000 | $80,000 | $21,000 | $40,000 |
| Other | 4 | $256,000 | $64,000 | $68,000 | $37,000 | $50,000 |
| Credit Application Incomplete | 2 | $35,000 | $17,000 | $20,000 | $37,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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