South Dakota · HMDA 2025
Mortgage lenders in McCook County, SD
64 lenders reported 214 home-loan applications in McCook County in 2025. 126 closed as loans ($27.3M), 28 were denied — a 18.1% denial rate on decided applications, above the South Dakota rate of 15.7%. The three most active lenders handled 24% of applications, led by Plains Commerce Bank. 22 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 214
- Loans originated
- 126
- Purchase / refinance
- 75 / 31
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McCook County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Plains Commerce Bank 59 out of 100, Moderate | 26 | 12.1% | 10.0% |
| 2 | First Dakota National Bank 72 out of 100, Strong | 14 | 6.5% | 4.8% |
| 3 | First PREMIER Bank 85 out of 100, Very strong | 12 | 5.6% | 18.8% |
| 4 | First Bank & Trust 70 out of 100, Strong | 10 | 4.7% | 14.9% |
| 5 | Rivers Edge Bank 68 out of 100, Moderate | 8 | 3.7% | 4.3% |
| 6 | Rocket Mortgage, LLC | 7 | 3.3% | — |
| 7 | BANKWEST, INC. 38 out of 100, Low | 7 | 3.3% | 48.6% |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 5 | 2.3% | 32.5% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 5 | 2.3% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 2.3% | 39.5% |
| 11 | Equity Prime Mortgage LLC | 5 | 2.3% | — |
| 12 | Levo Federal Credit Union 64 out of 100, Moderate | 5 | 2.3% | 7.8% |
| 13 | NEWREZ LLC | 4 | 1.9% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 1.9% | 14.1% |
| 15 | Fairway Independent Mortgage Corporation | 4 | 1.9% | — |
| 16 | AmeriSave Mortgage Corporation | 4 | 1.9% | — |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 1.9% | — |
| 18 | Mortgage Research Center, LLC | 4 | 1.9% | — |
| 19 | First International Bank & Trust 52 out of 100, Below average | 4 | 1.9% | 5.8% |
| 20 | Reliabank Dakota 71 out of 100, Strong | 4 | 1.9% | 7.4% |
| 21 | The First National Bank in Sioux Falls 67 out of 100, Moderate | 4 | 1.9% | 2.1% |
| 22 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 1.4% | — |
| 23 | CorTrust Bank National Association 62 out of 100, Moderate | 3 | 1.4% | 8.4% |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.4% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 3 | 1.4% | — |
| 26 | VOYAGE FEDERAL CREDIT UNION 66 out of 100, Moderate | 3 | 1.4% | 13.3% |
| 27 | American Bank & Trust 72 out of 100, Strong | 3 | 1.4% | 16.0% |
| 28 | 21st Mortgage Corporation | 2 | 0.9% | — |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.9% | 22.2% |
| 30 | Discover Bank | 2 | 0.9% | — |
| 31 | GUARANTEED RATE, INC. | 2 | 0.9% | — |
| 32 | FIGURE LENDING LLC | 2 | 0.9% | — |
| 33 | Click n' Close, Inc. | 2 | 0.9% | — |
| 34 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | 0.9% | — |
| 35 | Farm Credit Mid-America | 2 | 0.9% | — |
| 36 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 2 | 0.9% | 27.1% |
| 37 | WEST GATE BANK 72 out of 100, Strong | 2 | 0.9% | 4.8% |
| 38 | First Interstate Bank 62 out of 100, Moderate | 2 | 0.9% | 29.4% |
| 39 | Dacotah Bank 55 out of 100, Moderate | 2 | 0.9% | 6.4% |
| 40 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 0.9% | 37.2% |
Top 40 of 64 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