South Dakota · HMDA 2025
Mortgage lenders in Douglas County, SD
30 lenders reported 71 home-loan applications in Douglas County in 2025. 33 closed as loans ($7.5M), 12 were denied — a 26.7% denial rate on decided applications, above the South Dakota rate of 15.7%. The three most active lenders handled 34% of applications, led by BMO Bank National Association. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 71
- Loans originated
- 33
- Purchase / refinance
- 17 / 13
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Douglas County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BMO Bank National Association 83 out of 100, Strong | 9 | 12.7% | 40.5% |
| 2 | BANKWEST, INC. 38 out of 100, Low | 9 | 12.7% | 48.6% |
| 3 | Rocket Mortgage, LLC | 6 | 8.5% | — |
| 4 | Plains Commerce Bank 59 out of 100, Moderate | 6 | 8.5% | 10.0% |
| 5 | First Dakota National Bank 72 out of 100, Strong | 6 | 8.5% | 4.8% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 3 | 4.2% | — |
| 7 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | 4.2% | — |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 2.8% | 32.5% |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 2.8% | 39.5% |
| 10 | PLANET HOME LENDING, LLC | 2 | 2.8% | — |
| 11 | Farm Credit Mid-America | 2 | 2.8% | — |
| 12 | American Bank & Trust 72 out of 100, Strong | 2 | 2.8% | 16.0% |
| 13 | CU MORTGAGE DIRECT, LLC | 2 | 2.8% | — |
| 14 | NEWREZ LLC | 1 | 1.4% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 1.4% | 14.1% |
| 16 | Loandepot.Com, LLC | 1 | 1.4% | — |
| 17 | Broker Solutions, Inc. | 1 | 1.4% | — |
| 18 | Mortgage Research Center, LLC | 1 | 1.4% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 1.4% | — |
| 20 | Granite Bank 53 out of 100, Below average | 1 | 1.4% | 6.2% |
| 21 | FREEDOM MORTGAGE CORPORATION | 1 | 1.4% | — |
| 22 | Reliabank Dakota 71 out of 100, Strong | 1 | 1.4% | 7.4% |
| 23 | Central Bank 65 out of 100, Moderate | 1 | 1.4% | 5.5% |
| 24 | Levo Federal Credit Union 64 out of 100, Moderate | 1 | 1.4% | 7.8% |
| 25 | Security National Bank of South Dakota 93 out of 100, Very strong | 1 | 1.4% | 25.0% |
| 26 | CARRINGTON MORTGAGE SERVICES, LLC | 1 | 1.4% | — |
| 27 | Security Savings Bank 69 out of 100, Moderate | 1 | 1.4% | 11.0% |
| 28 | SERVICE FIRST FEDERAL CREDIT UNION 65 out of 100, Moderate | 1 | 1.4% | 7.4% |
| 29 | USAA Federal Savings Bank 64 out of 100, Moderate | 1 | 1.4% | 37.2% |
| 30 | The First National Bank in Sioux Falls 67 out of 100, Moderate | 1 | 1.4% | 2.1% |
Top 30 of 30 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