South Dakota · HMDA 2025
Mortgage lenders in Hand County, SD
23 lenders reported 65 home-loan applications in Hand County in 2025. 29 closed as loans ($5.2M), 17 were denied — a 36.2% denial rate on decided applications, above the South Dakota rate of 15.7%. The three most active lenders handled 54% of applications, led by American Bank & Trust. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 65
- Loans originated
- 29
- Purchase / refinance
- 18 / 8
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Hand County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | American Bank & Trust 72 out of 100, Strong | 23 | 35.4% | 16.0% |
| 2 | Quoin Financial Bank | 6 | 9.2% | — |
| 3 | Plains Commerce Bank 59 out of 100, Moderate | 6 | 9.2% | 10.0% |
| 4 | Rocket Mortgage, LLC | 5 | 7.7% | — |
| 5 | NEWREZ LLC | 4 | 6.2% | — |
| 6 | BANKWEST, INC. 38 out of 100, Low | 3 | 4.6% | 48.6% |
| 7 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 3.1% | 22.2% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 1.5% | — |
| 9 | Broker Solutions, Inc. | 1 | 1.5% | — |
| 10 | Discover Bank | 1 | 1.5% | — |
| 11 | TRIAD FINANCIAL SERVICES, INC. | 1 | 1.5% | — |
| 12 | Mortgage Research Center, LLC | 1 | 1.5% | — |
| 13 | Empeople Credit Union 58 out of 100, Moderate | 1 | 1.5% | 25.7% |
| 14 | First National Bank 84 out of 100, Strong | 1 | 1.5% | 8.4% |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | 1.5% | — |
| 16 | PLANET HOME LENDING, LLC | 1 | 1.5% | — |
| 17 | Farm Credit Mid-America | 1 | 1.5% | — |
| 18 | First Bank & Trust 70 out of 100, Strong | 1 | 1.5% | 14.9% |
| 19 | NATIONSTAR MORTGAGE LLC | 1 | 1.5% | — |
| 20 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 1 | 1.5% | 27.1% |
| 21 | Security National Bank of South Dakota 93 out of 100, Very strong | 1 | 1.5% | 25.0% |
| 22 | First PREMIER Bank 85 out of 100, Very strong | 1 | 1.5% | 18.8% |
| 23 | Coastal Community Bank 35 out of 100, Low | 1 | 1.5% | 3.0% |
Top 23 of 23 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