HMDA 2025
Mortgage lenders in South Dakota
Lenders reported 29,379 home-loan applications for properties in South Dakota in 2025; 17,103 became loans and the denial rate on decided applications was 15.7%. The busiest county was Minnehaha County with 7,814 applications.
Most active lenders across South Dakota's counties
- Plains Commerce Bank 2,281 applications
- First PREMIER Bank 1,381 applications
- First Bank & Trust 1,312 applications
- BLACK HILLS FEDERAL CREDIT UNION 1,215 applications
- Rocket Mortgage, LLC 1,054 applications
- PENNYMAC LOAN SERVICES, LLC 983 applications
- CMG MORTGAGE, INC. 895 applications
- BANKWEST, INC. 783 applications
- Citizens Bank, National Association 741 applications
- NEWREZ LLC 740 applications
- U.S. Bank National Association 687 applications
- First Dakota National Bank 678 applications
- Levo Federal Credit Union 629 applications
- First Interstate Bank 611 applications
- American Bank & Trust 603 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Aurora County | 58 | 25 | 20.0% | 16 / 6 |
| Beadle County | 365 | 48 | 21.2% | 123 / 46 |
| Bennett County | 21 | 13 | 30.8% | 3 / 0 |
| Bon Homme County | 151 | 53 | 24.0% | 42 / 22 |
| Brookings County | 864 | 105 | 12.8% | 314 / 117 |
| Brown County | 789 | 92 | 16.5% | 311 / 99 |
| Brule County | 87 | 35 | 14.1% | 27 / 16 |
| Buffalo County | 5 | 3 | 0.0% | 1 / 0 |
| Butte County | 430 | 66 | 19.4% | 137 / 67 |
| Campbell County | 27 | 17 | 41.2% | 6 / 2 |
| Charles Mix County | 109 | 45 | 17.5% | 32 / 24 |
| Clark County | 76 | 26 | 22.2% | 23 / 13 |
| Clay County | 416 | 80 | 20.7% | 133 / 77 |
| Codington County | 939 | 94 | 13.7% | 326 / 163 |
| Corson County | 10 | 8 | 50.0% | 2 / 0 |
| Custer County | 396 | 89 | 20.5% | 104 / 76 |
| Davison County | 554 | 77 | 13.3% | 192 / 107 |
| Day County | 131 | 50 | 21.1% | 36 / 22 |
| Deuel County | 112 | 32 | 14.8% | 41 / 18 |
| Dewey County | 8 | 6 | 50.0% | 1 / 1 |
| Douglas County | 71 | 30 | 26.7% | 17 / 13 |
| Edmunds County | 73 | 39 | 22.2% | 19 / 9 |
| Fall River County | 383 | 70 | 23.3% | 103 / 54 |
| Faulk County | 32 | 16 | 20.8% | 11 / 6 |
| Grant County | 242 | 47 | 16.7% | 84 / 24 |
| Gregory County | 86 | 35 | 35.5% | 20 / 13 |
| Haakon County | 39 | 19 | 44.8% | 13 / 3 |
| Hamlin County | 232 | 54 | 11.2% | 77 / 41 |
| Hand County | 65 | 23 | 36.2% | 18 / 8 |
| Hanson County | 76 | 36 | 9.1% | 22 / 18 |
| Harding County | 17 | 10 | 0.0% | 7 / 3 |
| Hughes County | 570 | 74 | 16.3% | 190 / 66 |
| Hutchinson County | 194 | 63 | 20.1% | 68 / 31 |
| Hyde County | 18 | 14 | 8.3% | 10 / 1 |
| Jackson County | 16 | 10 | 40.0% | 4 / 2 |
| Jerauld County | 31 | 16 | 23.8% | 11 / 4 |
| Jones County | 17 | 10 | 40.0% | 6 / 0 |
| Kingsbury County | 162 | 53 | 20.5% | 53 / 22 |
| Lake County | 419 | 69 | 15.6% | 132 / 82 |
| Lawrence County | 1,227 | 133 | 16.5% | 362 / 209 |
| Lincoln County | 3,235 | 152 | 11.0% | 1,143 / 582 |
| Lyman County | 54 | 32 | 16.7% | 14 / 11 |
| Marshall County | 59 | 26 | 29.3% | 17 / 9 |
| McCook County | 214 | 64 | 18.1% | 75 / 31 |
| McPherson County | 47 | 24 | 26.3% | 17 / 5 |
| Meade County | 1,290 | 111 | 15.9% | 369 / 271 |
| Mellette County | 17 | 11 | 70.0% | 1 / 0 |
| Miner County | 40 | 19 | 14.8% | 8 / 8 |
| Minnehaha County | 7,814 | 211 | 13.7% | 2,778 / 1,338 |
| Moody County | 187 | 53 | 25.4% | 47 / 31 |
| Oglala Lakota County | 12 | 4 | 71.4% | 1 / 1 |
| Pennington County | 4,670 | 193 | 16.3% | 1,608 / 749 |
| Perkins County | 30 | 15 | 19.0% | 9 / 3 |
| Potter County | 51 | 21 | 28.6% | 15 / 7 |
| Roberts County | 156 | 51 | 19.8% | 41 / 26 |
| Sanborn County | 28 | 17 | 19.0% | 8 / 5 |
| Spink County | 80 | 32 | 37.0% | 16 / 15 |
| Stanley County | 96 | 27 | 25.0% | 23 / 14 |
| Sully County | 50 | 26 | 17.1% | 23 / 5 |
| Todd County | 24 | 12 | 63.6% | 1 / 2 |
| Tripp County | 80 | 31 | 25.4% | 28 / 11 |
| Turner County | 332 | 70 | 20.3% | 97 / 63 |
| Union County | 573 | 97 | 15.2% | 191 / 115 |
| Walworth County | 103 | 35 | 8.2% | 36 / 13 |
| Yankton County | 613 | 93 | 16.5% | 214 / 82 |
| Ziebach County | 6 | 5 | 0.0% | 2 / 1 |