Mortgage lending in Codington County, South Dakota
Lenders in Codington County, South Dakota reported 839 mortgage applications for 2025, according to the CFPB.
839 mortgage applications and 595 loans originated in 2025; the denial rate was 13.7% of 707 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Codington County, SD.
- 839
- Applications
- 595
- Loans originated
- 13.7%
- Denial rate
- 97 denied of 707 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 839 | 595 |
| 2024 | 757 | 520 |
| 2023 | 637 | 457 |
| 2022 | 955 | 693 |
| 2021 | 1,683 | 1,297 |
| 2020 | 1,879 | 1,404 |
| 2019 | 1,158 | 813 |
| 2018 | 956 | 678 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Bank & Trust | 92 | 108 |
| First Premier Bank | 87 | 105 |
| American Bank & Trust | 82 | 95 |
| Dacotah Bank | 45 | 47 |
| Fairway Independent Mort Corp | 38 | 46 |
| Plains Commerce Bank | 31 | 50 |
| First Interstate Bank | 30 | 44 |
| Rocket Mortgage | 22 | 32 |
| Reliabank Dakota | 19 | 24 |
| Guaranteed Rate, Inc. | 19 | 21 |
| Cu Mortgage Direct, LLC | 11 | 20 |
| Farm Credit Mid-America, Aca | 10 | 10 |
| Wells Fargo Bank NA | 10 | 12 |
| Mortgage Research Center | 8 | 18 |
| Bankwest, Inc. | 7 | 7 |
| First International Bank & Trust | 6 | 7 |
| Pennymac Loan Services LLC | 6 | 9 |
| Figure Lending LLC | 3 | 8 |
| Navy Federal Credit Union | 3 | 4 |
| Nationstar Mortgage | 3 | 4 |
| Crosscountry Mortgage, LLC | 3 | 4 |
| Minnwest Bank | 3 | 5 |
| A&d Mortgage LLC | 2 | 2 |
| Sofi Bank, National Association | 2 | 5 |
| United Wholesale Mortgage | 2 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| White | 708 | 12.9% of 596 decided |
| 2 or more minority races | under 10 | |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 113 | 15.0% of 93 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 14 | no rate: base under 50 |
| Not Hispanic or Latino | 690 | 13.2% of 582 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 124 | 14.4% of 104 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 255 | 16.4% of 220 decided |
| Female | 119 | 21.6% of 97 decided |
| Joint | 370 | 9.6% of 313 decided |
| Sex Not Available | 95 | 13.0% of 77 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1187 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved