Spink County, SD Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 118 mortgage applications in Spink County, SD totaling $10.0 million, down 22% from 2010. The average application was for $84,000, and applicants reported an average income of $83,000. 53% of applications resulted in an originated loan and 25% were denied. The most active lender was Wells Fargo Bank NA, with 32 applications, followed by Bank of the West and Dacotah 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 | 118 |
| Total Mortgage Loan Application Amount | $9,976,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $297,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $1,756,000 |
| 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 |
* | $ 1,104,833,000,000 | 32 | $ 2,513,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 11 | $ 1,277,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,801,691,000 | 10 | $ 839,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 400,984,000 | 9 | $ 842,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 8,257,808,000 | 8 | $ 657,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 6 | $ 534,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 6 | $ 295,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,223,973,000 | 5 | $ 529,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 5 | $ 423,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 743,483,000 | 4 | $ 227,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 3 | $ 330,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 229,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 269,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 622,931,000 | 2 | $ 36,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 815,778,000 | 1 | $ 5,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 180,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 15,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 33,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 60,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 141,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 45,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 66,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 787,708,000 | 1 | $ 35,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,093,291,000 | 1 | $ 54,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 96,000 |
The tables below break down 2011 mortgage applications in Spink 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 Spink 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 | 56 | $5,106,000 | $91,000 | $296,000 | $107,000 | $1,756,000 |
| Home Purchase | 44 | $4,310,000 | $97,000 | $297,000 | $63,000 | $272,000 |
| Home Improvement | 18 | $560,000 | $31,000 | $80,000 | $60,000 | $114,000 |
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 | 104 | $8,597,000 | $82,000 | $297,000 | $91,000 | $1,756,000 |
| Not applicable | 9 | $1,004,000 | $111,000 | $205,000 | $7,000 | $65,000 |
| Not Provided | 4 | $170,000 | $42,000 | $60,000 | $81,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| 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 |
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) | 84 | $6,375,000 | $75,000 | $297,000 | $101,000 | $1,756,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,826,000 | $113,000 | $205,000 | $39,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $419,000 | $83,000 | $105,000 | $32,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 4 | $356,000 | $89,000 | $141,000 | $48,000 | $81,000 |
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 | 62 | $5,359,000 | $86,000 | $297,000 | $110,000 | $1,756,000 |
| Application Denied By Financial Institution | 29 | $2,340,000 | $80,000 | $296,000 | $54,000 | $213,000 |
| Application Approved But Not Accepted | 12 | $803,000 | $66,000 | $148,000 | $69,000 | $139,000 |
| Loan Purchased By The Institution | 9 | $1,177,000 | $130,000 | $205,000 | $25,000 | $84,000 |
| Application Withdrawn By Applicant | 5 | $273,000 | $54,000 | $67,000 | $75,000 | $118,000 |
| File Closed For Incompleteness | 1 | $24,000 | $24,000 | $24,000 | $19,000 | $19,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 10 | $1,170,000 | $117,000 | $296,000 | $47,000 | $99,000 |
| Credit History | 5 | $175,000 | $35,000 | $74,000 | $47,000 | $98,000 |
| Other | 5 | $345,000 | $69,000 | $175,000 | $69,000 | $107,000 |
| Debt-To-Income Ratio | 4 | $411,000 | $102,000 | $131,000 | $36,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $213,000 | $213,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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