South Dakota · HMDA 2025
Mortgage lenders in Harding County, SD
10 lenders reported 17 home-loan applications in Harding County in 2025. 10 closed as loans ($1.6M), 0 were denied — a 0.0% denial rate on decided applications, below the South Dakota rate of 15.7%. The three most active lenders handled 59% of applications, led by Pioneer Bank & Trust. 6 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 17
- Loans originated
- 10
- Purchase / refinance
- 7 / 3
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Harding County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Pioneer Bank & Trust 81 out of 100, Strong | 5 | 29.4% | 10.1% |
| 2 | BANKWEST, INC. 38 out of 100, Low | 3 | 17.6% | 48.6% |
| 3 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 2 | 11.8% | 27.1% |
| 4 | NEWREZ LLC | 1 | 5.9% | — |
| 5 | Loandepot.Com, LLC | 1 | 5.9% | — |
| 6 | Broker Solutions, Inc. | 1 | 5.9% | — |
| 7 | Merchants Bank, National Association 73 out of 100, Strong | 1 | 5.9% | 5.9% |
| 8 | NEW DAY FINANCIAL, LLC | 1 | 5.9% | — |
| 9 | Bravera Bank 67 out of 100, Moderate | 1 | 5.9% | 2.2% |
| 10 | USAA Federal Savings Bank 64 out of 100, Moderate | 1 | 5.9% | 37.2% |
Top 10 of 10 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