South Dakota · HMDA 2025
Mortgage lenders in Minnehaha County, SD
211 lenders reported 7,814 home-loan applications in Minnehaha County in 2025. 4,705 closed as loans ($1.3B), 770 were denied — a 13.7% denial rate on decided applications, below the South Dakota rate of 15.7%. The three most active lenders handled 27% of applications, led by Plains Commerce Bank. 24 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,814
- Loans originated
- 4,705
- Purchase / refinance
- 2,778 / 1,338
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Minnehaha County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Plains Commerce Bank 59 out of 100, Moderate | 988 | 12.6% | 10.0% |
| 2 | First PREMIER Bank 85 out of 100, Very strong | 720 | 9.2% | 18.8% |
| 3 | Levo Federal Credit Union 64 out of 100, Moderate | 413 | 5.3% | 7.8% |
| 4 | First Bank & Trust 70 out of 100, Strong | 363 | 4.6% | 14.9% |
| 5 | First International Bank & Trust 52 out of 100, Below average | 337 | 4.3% | 5.8% |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 256 | 3.3% | 32.5% |
| 7 | Fairway Independent Mortgage Corporation | 247 | 3.2% | — |
| 8 | NEWREZ LLC | 222 | 2.8% | — |
| 9 | First Dakota National Bank 72 out of 100, Strong | 218 | 2.8% | 4.8% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 216 | 2.8% | — |
| 11 | Central Bank 65 out of 100, Moderate | 209 | 2.7% | 5.5% |
| 12 | Rocket Mortgage, LLC | 206 | 2.6% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 191 | 2.4% | 39.5% |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 126 | 1.6% | — |
| 15 | SERVICE FIRST FEDERAL CREDIT UNION 65 out of 100, Moderate | 126 | 1.6% | 7.4% |
| 16 | American Bank & Trust 72 out of 100, Strong | 115 | 1.5% | 16.0% |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 113 | 1.4% | — |
| 18 | The First National Bank in Sioux Falls 67 out of 100, Moderate | 110 | 1.4% | 2.1% |
| 19 | CorTrust Bank National Association 62 out of 100, Moderate | 108 | 1.4% | 8.4% |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 107 | 1.4% | 14.1% |
| 21 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 102 | 1.3% | 27.1% |
| 22 | First Interstate Bank 62 out of 100, Moderate | 98 | 1.3% | 29.4% |
| 23 | Mortgage Research Center, LLC | 81 | 1.0% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 81 | 1.0% | — |
| 25 | Reliabank Dakota 71 out of 100, Strong | 79 | 1.0% | 7.4% |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 78 | 1.0% | — |
| 27 | BANKWEST, INC. 38 out of 100, Low | 70 | 0.9% | 48.6% |
| 28 | CORTRUST MORTGAGE, INC. | 68 | 0.9% | — |
| 29 | CU MORTGAGE DIRECT, LLC | 66 | 0.8% | — |
| 30 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 65 | 0.8% | 22.2% |
| 31 | VOYAGE FEDERAL CREDIT UNION 66 out of 100, Moderate | 63 | 0.8% | 13.3% |
| 32 | GUARANTEED RATE, INC. | 61 | 0.8% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 59 | 0.8% | — |
| 34 | PLANET HOME LENDING, LLC | 58 | 0.7% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 57 | 0.7% | 3.0% |
| 36 | Dacotah Bank 55 out of 100, Moderate | 50 | 0.6% | 6.4% |
| 37 | FIGURE LENDING LLC | 49 | 0.6% | — |
| 38 | WEST GATE BANK 72 out of 100, Strong | 47 | 0.6% | 4.8% |
| 39 | TRIAD FINANCIAL SERVICES, INC. | 42 | 0.5% | — |
| 40 | Security National Bank of South Dakota 93 out of 100, Very strong | 42 | 0.5% | 25.0% |
Top 40 of 211 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
- 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
- Butte County 430 apps