South Dakota · HMDA 2025
Mortgage lenders in Custer County, SD
89 lenders reported 396 home-loan applications in Custer County in 2025. 225 closed as loans ($70.3M), 61 were denied — a 20.5% denial rate on decided applications, above the South Dakota rate of 15.7%. The three most active lenders handled 31% of applications, led by BLACK HILLS FEDERAL CREDIT UNION. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 396
- Loans originated
- 225
- Purchase / refinance
- 104 / 76
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Custer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 74 | 18.7% | 27.1% |
| 2 | Rocket Mortgage, LLC | 27 | 6.8% | — |
| 3 | CMG MORTGAGE, INC. | 22 | 5.6% | — |
| 4 | Dacotah Bank 55 out of 100, Moderate | 17 | 4.3% | 6.4% |
| 5 | BANKWEST, INC. 38 out of 100, Low | 14 | 3.5% | 48.6% |
| 6 | First Interstate Bank 62 out of 100, Moderate | 13 | 3.3% | 29.4% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 11 | 2.8% | — |
| 8 | Mortgage Research Center, LLC | 10 | 2.5% | — |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 9 | 2.3% | 32.5% |
| 10 | Gateway First Bank 54 out of 100, Below average | 8 | 2.0% | 5.3% |
| 11 | HIGHMARK Federal Credit Union 46 out of 100, Below average | 8 | 2.0% | 0.0% |
| 12 | Broker Solutions, Inc. | 7 | 1.8% | — |
| 13 | FIGURE LENDING LLC | 7 | 1.8% | — |
| 14 | PLANET HOME LENDING, LLC | 7 | 1.8% | — |
| 15 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | 1.8% | — |
| 16 | Granite Bank 53 out of 100, Below average | 7 | 1.8% | 6.2% |
| 17 | Aspen | 7 | 1.8% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.5% | 14.1% |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.5% | — |
| 20 | AmeriSave Mortgage Corporation | 6 | 1.5% | — |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 6 | 1.5% | — |
| 22 | PHH Mortgage Corporation | 6 | 1.5% | — |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 1.3% | 39.5% |
| 24 | NEWREZ LLC | 4 | 1.0% | — |
| 25 | Black Hills Community Bank, N.A. | 4 | 1.0% | — |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.0% | — |
| 27 | Plains Commerce Bank 59 out of 100, Moderate | 4 | 1.0% | 10.0% |
| 28 | Sentinel Federal Credit Union 67 out of 100, Moderate | 4 | 1.0% | 2.7% |
| 29 | First National Bank 84 out of 100, Strong | 3 | 0.8% | 8.4% |
| 30 | Farm Credit Mid-America | 3 | 0.8% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.8% | — |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.5% | 32.9% |
| 33 | 21st Mortgage Corporation | 2 | 0.5% | — |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.5% | 22.2% |
| 35 | Discover Bank | 2 | 0.5% | — |
| 36 | CorTrust Bank National Association 62 out of 100, Moderate | 2 | 0.5% | 8.4% |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.5% | 44.7% |
| 38 | The Federal Savings Bank 51 out of 100, Below average | 2 | 0.5% | 19.1% |
| 39 | First International Bank & Trust 52 out of 100, Below average | 2 | 0.5% | 5.8% |
| 40 | FINANCE OF AMERICA REVERSE LLC | 2 | 0.5% | — |
Top 40 of 89 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