South Dakota · HMDA 2025
Mortgage lenders in Codington County, SD
94 lenders reported 939 home-loan applications in Codington County in 2025. 595 closed as loans ($138.9M), 97 were denied — a 13.7% denial rate on decided applications, below the South Dakota rate of 15.7%. The three most active lenders handled 33% of applications, led by First Bank & Trust. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 939
- Loans originated
- 595
- Purchase / refinance
- 326 / 163
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Codington County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Bank & Trust 70 out of 100, Strong | 108 | 11.5% | 14.9% |
| 2 | First PREMIER Bank 85 out of 100, Very strong | 105 | 11.2% | 18.8% |
| 3 | American Bank & Trust 72 out of 100, Strong | 95 | 10.1% | 16.0% |
| 4 | Plains Commerce Bank 59 out of 100, Moderate | 50 | 5.3% | 10.0% |
| 5 | Dacotah Bank 55 out of 100, Moderate | 47 | 5.0% | 6.4% |
| 6 | Fairway Independent Mortgage Corporation | 46 | 4.9% | — |
| 7 | First Interstate Bank 62 out of 100, Moderate | 44 | 4.7% | 29.4% |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 33 | 3.5% | 32.5% |
| 9 | Rocket Mortgage, LLC | 33 | 3.5% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 27 | 2.9% | — |
| 11 | Reliabank Dakota 71 out of 100, Strong | 24 | 2.6% | 7.4% |
| 12 | NEWREZ LLC | 22 | 2.3% | — |
| 13 | GUARANTEED RATE, INC. | 21 | 2.2% | — |
| 14 | CU MORTGAGE DIRECT, LLC | 20 | 2.1% | — |
| 15 | Mortgage Research Center, LLC | 18 | 1.9% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.5% | 14.1% |
| 17 | 21st Mortgage Corporation | 13 | 1.4% | — |
| 18 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 12 | 1.3% | 22.2% |
| 19 | FIGURE LENDING LLC | 11 | 1.2% | — |
| 20 | Farm Credit Mid-America | 10 | 1.1% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 0.9% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 8 | 0.9% | — |
| 23 | NEW DAY FINANCIAL, LLC | 8 | 0.9% | — |
| 24 | AmeriSave Mortgage Corporation | 7 | 0.7% | — |
| 25 | First International Bank & Trust 52 out of 100, Below average | 7 | 0.7% | 5.8% |
| 26 | BANKWEST, INC. 38 out of 100, Low | 7 | 0.7% | 48.6% |
| 27 | NATIONSTAR MORTGAGE LLC | 6 | 0.6% | — |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 6 | 0.6% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 6 | 0.6% | 3.0% |
| 30 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 0.5% | — |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 5 | 0.5% | — |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 0.5% | 39.5% |
| 33 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.5% | — |
| 34 | Minnwest Bank 68 out of 100, Moderate | 5 | 0.5% | 11.9% |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.4% | 32.9% |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.4% | — |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 4 | 0.4% | 44.7% |
| 38 | PLANET HOME LENDING, LLC | 4 | 0.4% | — |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 4 | 0.4% | — |
| 40 | Loandepot.Com, LLC | 3 | 0.3% | — |
Top 40 of 94 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
- Brookings County 864 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