South Dakota · HMDA 2025
Mortgage lenders in Brookings County, SD
105 lenders reported 864 home-loan applications in Brookings County in 2025. 519 closed as loans ($166.7M), 78 were denied — a 12.8% denial rate on decided applications, below the South Dakota rate of 15.7%. The three most active lenders handled 47% of applications, led by First Bank & Trust. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 864
- Loans originated
- 519
- Purchase / refinance
- 314 / 117
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Brookings County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Bank & Trust 70 out of 100, Strong | 296 | 34.3% | 14.9% |
| 2 | GUARANTEED RATE, INC. | 57 | 6.6% | — |
| 3 | Citizens Bank, National Association 54 out of 100, Below average | 51 | 5.9% | 32.5% |
| 4 | Plains Commerce Bank 59 out of 100, Moderate | 36 | 4.2% | 10.0% |
| 5 | Rocket Mortgage, LLC | 23 | 2.7% | — |
| 6 | Central Bank 65 out of 100, Moderate | 21 | 2.4% | 5.5% |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 18 | 2.1% | 14.1% |
| 8 | Dacotah Bank 55 out of 100, Moderate | 17 | 2.0% | 6.4% |
| 9 | Mortgage Research Center, LLC | 16 | 1.9% | — |
| 10 | First PREMIER Bank 85 out of 100, Very strong | 15 | 1.7% | 18.8% |
| 11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 1.6% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 13 | 1.5% | — |
| 13 | PLANET HOME LENDING, LLC | 13 | 1.5% | — |
| 14 | BANKWEST, INC. 38 out of 100, Low | 12 | 1.4% | 48.6% |
| 15 | FREEDOM MORTGAGE CORPORATION | 12 | 1.4% | — |
| 16 | NEWREZ LLC | 10 | 1.2% | — |
| 17 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 10 | 1.2% | 22.2% |
| 18 | Fairway Independent Mortgage Corporation | 10 | 1.2% | — |
| 19 | AmeriSave Mortgage Corporation | 10 | 1.2% | — |
| 20 | First Interstate Bank 62 out of 100, Moderate | 9 | 1.0% | 29.4% |
| 21 | Loandepot.Com, LLC | 8 | 0.9% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 8 | 0.9% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 8 | 0.9% | 3.0% |
| 24 | First Dakota National Bank 72 out of 100, Strong | 7 | 0.8% | 4.8% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.7% | 32.9% |
| 26 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 0.7% | — |
| 27 | FIGURE LENDING LLC | 6 | 0.7% | — |
| 28 | American Bank & Trust 72 out of 100, Strong | 6 | 0.7% | 16.0% |
| 29 | 21st Mortgage Corporation | 5 | 0.6% | — |
| 30 | Truist Bank 63 out of 100, Moderate | 5 | 0.6% | 40.8% |
| 31 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.6% | — |
| 32 | Farm Credit Mid-America | 5 | 0.6% | — |
| 33 | The First National Bank in Sioux Falls 67 out of 100, Moderate | 5 | 0.6% | 2.1% |
| 34 | Broker Solutions, Inc. | 4 | 0.5% | — |
| 35 | Discover Bank | 4 | 0.5% | — |
| 36 | IOWA BANKERS MORTGAGE CORPORATION | 4 | 0.5% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.5% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.3% | — |
| 39 | NBKC BANK | 3 | 0.3% | — |
| 40 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.3% | — |
Top 40 of 105 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in South Dakota
- Minnehaha County 7,814 apps
- Pennington County 4,670 apps
- Lincoln County 3,235 apps
- Meade County 1,290 apps
- Lawrence County 1,227 apps
- Codington County 939 apps
- Brown County 789 apps
- Yankton County 613 apps
- Union County 573 apps
- Hughes County 570 apps
- Davison County 554 apps
- Butte County 430 apps