South Dakota · HMDA 2025
Mortgage lenders in Pennington County, SD
193 lenders reported 4,670 home-loan applications in Pennington County in 2025. 2,661 closed as loans ($804.5M), 546 were denied — a 16.3% denial rate on decided applications, close to the South Dakota rate of 15.7%. The three most active lenders handled 29% of applications, led by CMG MORTGAGE, INC.. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,670
- Loans originated
- 2,661
- Purchase / refinance
- 1,608 / 749
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Pennington County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CMG MORTGAGE, INC. | 576 | 12.3% | — |
| 2 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 545 | 11.7% | 27.1% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 233 | 5.0% | — |
| 4 | Granite Bank 53 out of 100, Below average | 191 | 4.1% | 6.2% |
| 5 | Plains Commerce Bank 59 out of 100, Moderate | 190 | 4.1% | 10.0% |
| 6 | Rocket Mortgage, LLC | 180 | 3.9% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 161 | 3.4% | — |
| 8 | Mortgage Research Center, LLC | 161 | 3.4% | — |
| 9 | NEWREZ LLC | 134 | 2.9% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 125 | 2.7% | — |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 124 | 2.7% | 39.5% |
| 12 | BANKWEST, INC. 38 out of 100, Low | 108 | 2.3% | 48.6% |
| 13 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 105 | 2.2% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 76 | 1.6% | — |
| 15 | KIND LENDING, LLC | 74 | 1.6% | — |
| 16 | Gateway First Bank 54 out of 100, Below average | 73 | 1.6% | 5.3% |
| 17 | Aspen | 71 | 1.5% | — |
| 18 | AMERICAN PACIFIC MORTGAGE CORPORATION | 66 | 1.4% | — |
| 19 | Black Hills Community Bank, N.A. | 64 | 1.4% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 63 | 1.3% | — |
| 21 | Dacotah Bank 55 out of 100, Moderate | 56 | 1.2% | 6.4% |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 55 | 1.2% | 14.1% |
| 23 | First National Bank 84 out of 100, Strong | 54 | 1.2% | 8.4% |
| 24 | Pioneer Bank & Trust 81 out of 100, Strong | 52 | 1.1% | 10.1% |
| 25 | First Interstate Bank 62 out of 100, Moderate | 51 | 1.1% | 29.4% |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 50 | 1.1% | 32.9% |
| 27 | LAKEVIEW LOAN SERVICING, LLC | 48 | 1.0% | — |
| 28 | 21st Mortgage Corporation | 38 | 0.8% | — |
| 29 | Broker Solutions, Inc. | 38 | 0.8% | — |
| 30 | AmeriSave Mortgage Corporation | 38 | 0.8% | — |
| 31 | FIGURE LENDING LLC | 38 | 0.8% | — |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 36 | 0.8% | 32.5% |
| 33 | PLANET HOME LENDING, LLC | 30 | 0.6% | — |
| 34 | PHH Mortgage Corporation | 30 | 0.6% | — |
| 35 | Security First Bank 65 out of 100, Moderate | 28 | 0.6% | 3.1% |
| 36 | Loandepot.Com, LLC | 27 | 0.6% | — |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 24 | 0.5% | — |
| 38 | Sentinel Federal Credit Union 67 out of 100, Moderate | 23 | 0.5% | 2.7% |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 22 | 0.5% | — |
| 40 | NEW DAY FINANCIAL, LLC | 22 | 0.5% | — |
Top 40 of 193 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
- 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