South Dakota · HMDA 2025
Mortgage lenders in Clay County, SD
80 lenders reported 416 home-loan applications in Clay County in 2025. 244 closed as loans ($48.4M), 66 were denied — a 20.7% denial rate on decided applications, above the South Dakota rate of 15.7%. The three most active lenders handled 23% of applications, led by Plains Commerce Bank. 21 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 416
- Loans originated
- 244
- Purchase / refinance
- 133 / 77
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Plains Commerce Bank 59 out of 100, Moderate | 37 | 8.9% | 10.0% |
| 2 | First Dakota National Bank 72 out of 100, Strong | 30 | 7.2% | 4.8% |
| 3 | First Bank & Trust 70 out of 100, Strong | 27 | 6.5% | 14.9% |
| 4 | 21st Mortgage Corporation | 26 | 6.3% | — |
| 5 | BMO Bank National Association 83 out of 100, Strong | 19 | 4.6% | 40.5% |
| 6 | VOYAGE FEDERAL CREDIT UNION 66 out of 100, Moderate | 19 | 4.6% | 13.3% |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 18 | 4.3% | — |
| 8 | First PREMIER Bank 85 out of 100, Very strong | 16 | 3.8% | 18.8% |
| 9 | CorTrust Bank National Association 62 out of 100, Moderate | 15 | 3.6% | 8.4% |
| 10 | Bank of Dixon County | 13 | 3.1% | — |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 12 | 2.9% | 32.5% |
| 12 | Rocket Mortgage, LLC | 12 | 2.9% | — |
| 13 | CORTRUST MORTGAGE, INC. | 11 | 2.6% | — |
| 14 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 1.9% | 39.5% |
| 15 | Mortgage Research Center, LLC | 7 | 1.7% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 7 | 1.7% | — |
| 17 | CU MORTGAGE DIRECT, LLC | 7 | 1.7% | — |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 1.4% | — |
| 19 | Central Bank 65 out of 100, Moderate | 6 | 1.4% | 5.5% |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 5 | 1.2% | 22.2% |
| 21 | PENNYMAC LOAN SERVICES, LLC | 4 | 1.0% | — |
| 22 | First International Bank & Trust 52 out of 100, Below average | 4 | 1.0% | 5.8% |
| 23 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 1.0% | — |
| 24 | WEST GATE BANK 72 out of 100, Strong | 4 | 1.0% | 4.8% |
| 25 | First National Bank of Omaha 72 out of 100, Strong | 4 | 1.0% | 25.9% |
| 26 | The First National Bank in Sioux Falls 67 out of 100, Moderate | 4 | 1.0% | 2.1% |
| 27 | NEWREZ LLC | 3 | 0.7% | — |
| 28 | Fairway Independent Mortgage Corporation | 3 | 0.7% | — |
| 29 | Broker Solutions, Inc. | 3 | 0.7% | — |
| 30 | AmeriSave Mortgage Corporation | 3 | 0.7% | — |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.7% | — |
| 32 | FIGURE LENDING LLC | 3 | 0.7% | — |
| 33 | BANKWEST, INC. 38 out of 100, Low | 3 | 0.7% | 48.6% |
| 34 | AMERICAN FINANCING CORPORATION | 3 | 0.7% | — |
| 35 | Granite Bank 53 out of 100, Below average | 3 | 0.7% | 6.2% |
| 36 | American Bank & Trust 72 out of 100, Strong | 3 | 0.7% | 16.0% |
| 37 | First Interstate Bank 62 out of 100, Moderate | 3 | 0.7% | 29.4% |
| 38 | Dacotah Bank 55 out of 100, Moderate | 3 | 0.7% | 6.4% |
| 39 | USAA Federal Savings Bank 64 out of 100, Moderate | 3 | 0.7% | 37.2% |
| 40 | CMG MORTGAGE, INC. | 2 | 0.5% | — |
Top 40 of 80 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
- Brookings County 864 apps
- Brown County 789 apps
- Yankton County 613 apps
- Union County 573 apps
- Hughes County 570 apps
- Davison County 554 apps