South Dakota · HMDA 2025
Mortgage lenders in Spink County, SD
32 lenders reported 80 home-loan applications in Spink County in 2025. 34 closed as loans ($5.7M), 20 were denied — a 37.0% denial rate on decided applications, above the South Dakota rate of 15.7%. The three most active lenders handled 26% of applications, led by American Bank & Trust. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 80
- Loans originated
- 34
- Purchase / refinance
- 16 / 15
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Spink County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | American Bank & Trust 72 out of 100, Strong | 8 | 10.0% | 16.0% |
| 2 | Farm Credit Mid-America | 7 | 8.8% | — |
| 3 | Rocket Mortgage, LLC | 6 | 7.5% | — |
| 4 | Plains Commerce Bank 59 out of 100, Moderate | 6 | 7.5% | 10.0% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 5.0% | 39.5% |
| 6 | BMO Bank National Association 83 out of 100, Strong | 4 | 5.0% | 40.5% |
| 7 | Dacotah Bank 55 out of 100, Moderate | 4 | 5.0% | 6.4% |
| 8 | First PREMIER Bank 85 out of 100, Very strong | 4 | 5.0% | 18.8% |
| 9 | Mortgage Research Center, LLC | 3 | 3.8% | — |
| 10 | First Interstate Bank 62 out of 100, Moderate | 3 | 3.8% | 29.4% |
| 11 | NEWREZ LLC | 2 | 2.5% | — |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 2.5% | 32.5% |
| 13 | PENNYMAC LOAN SERVICES, LLC | 2 | 2.5% | — |
| 14 | First International Bank & Trust 52 out of 100, Below average | 2 | 2.5% | 5.8% |
| 15 | BANKWEST, INC. 38 out of 100, Low | 2 | 2.5% | 48.6% |
| 16 | NATIONSTAR MORTGAGE LLC | 2 | 2.5% | — |
| 17 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 2 | 2.5% | 27.1% |
| 18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | 2.5% | — |
| 19 | CORTRUST MORTGAGE, INC. | 2 | 2.5% | — |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 1.3% | 32.9% |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 1.3% | 14.1% |
| 22 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 1.3% | 22.2% |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 1.3% | — |
| 24 | Broker Solutions, Inc. | 1 | 1.3% | — |
| 25 | AmeriSave Mortgage Corporation | 1 | 1.3% | — |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 1.3% | — |
| 27 | First National Bank 84 out of 100, Strong | 1 | 1.3% | 8.4% |
| 28 | Servion, Inc. | 1 | 1.3% | — |
| 29 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 1 | 1.3% | 45.9% |
| 30 | First Bank & Trust 70 out of 100, Strong | 1 | 1.3% | 14.9% |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 1 | 1.3% | — |
| 32 | Central Bank 65 out of 100, Moderate | 1 | 1.3% | 5.5% |
Top 32 of 32 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