South Dakota · HMDA 2025
Mortgage lenders in Union County, SD
97 lenders reported 573 home-loan applications in Union County in 2025. 350 closed as loans ($124.8M), 65 were denied — a 15.2% denial rate on decided applications, close to the South Dakota rate of 15.7%. The three most active lenders handled 17% of applications, led by Central Bank. 26 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 573
- Loans originated
- 350
- Purchase / refinance
- 191 / 115
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Union County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Central Bank 65 out of 100, Moderate | 33 | 5.8% | 5.5% |
| 2 | Rocket Mortgage, LLC | 31 | 5.4% | — |
| 3 | SIOUXLAND FEDERAL CREDIT UNION 75 out of 100, Strong | 31 | 5.4% | 16.6% |
| 4 | Plains Commerce Bank 59 out of 100, Moderate | 31 | 5.4% | 10.0% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 26 | 4.5% | 39.5% |
| 6 | The Security National Bank of Sioux City, Iowa 81 out of 100, Strong | 25 | 4.4% | 15.7% |
| 7 | First Dakota National Bank 72 out of 100, Strong | 21 | 3.7% | 4.8% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 18 | 3.1% | — |
| 9 | NEWREZ LLC | 17 | 3.0% | — |
| 10 | Mortgage Research Center, LLC | 16 | 2.8% | — |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 15 | 2.6% | 32.5% |
| 12 | First PREMIER Bank 85 out of 100, Very strong | 15 | 2.6% | 18.8% |
| 13 | IOWA BANKERS MORTGAGE CORPORATION | 14 | 2.4% | — |
| 14 | Primebank 61 out of 100, Moderate | 13 | 2.3% | 4.2% |
| 15 | Northwest Bank 70 out of 100, Strong | 13 | 2.3% | 6.0% |
| 16 | Premier Bank 60 out of 100, Moderate | 12 | 2.1% | 15.7% |
| 17 | First Bank & Trust 70 out of 100, Strong | 10 | 1.7% | 14.9% |
| 18 | First International Bank & Trust 52 out of 100, Below average | 9 | 1.6% | 5.8% |
| 19 | GUARANTEED RATE, INC. | 8 | 1.4% | — |
| 20 | Peoples Bank 69 out of 100, Moderate | 8 | 1.4% | 11.1% |
| 21 | Availa Bank 65 out of 100, Moderate | 8 | 1.4% | 5.3% |
| 22 | Liberty National Bank 71 out of 100, Strong | 8 | 1.4% | 5.4% |
| 23 | Levo Federal Credit Union 64 out of 100, Moderate | 8 | 1.4% | 7.8% |
| 24 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 1.2% | 22.2% |
| 25 | Farm Credit Mid-America | 7 | 1.2% | — |
| 26 | Security National Bank of South Dakota 93 out of 100, Very strong | 7 | 1.2% | 25.0% |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.0% | 14.1% |
| 28 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.0% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.0% | — |
| 30 | CHARTER WEST BANK 68 out of 100, Moderate | 6 | 1.0% | 8.6% |
| 31 | VOYAGE FEDERAL CREDIT UNION 66 out of 100, Moderate | 6 | 1.0% | 13.3% |
| 32 | Fairway Independent Mortgage Corporation | 5 | 0.9% | — |
| 33 | Discover Bank | 5 | 0.9% | — |
| 34 | FIGURE LENDING LLC | 5 | 0.9% | — |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.9% | — |
| 36 | American Bank & Trust 72 out of 100, Strong | 5 | 0.9% | 16.0% |
| 37 | WEST GATE BANK 72 out of 100, Strong | 5 | 0.9% | 4.8% |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 4 | 0.7% | 44.7% |
| 39 | BMO Bank National Association 83 out of 100, Strong | 4 | 0.7% | 40.5% |
| 40 | NATIONSTAR MORTGAGE LLC | 4 | 0.7% | — |
Top 40 of 97 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
- Hughes County 570 apps
- Davison County 554 apps
- Butte County 430 apps