Mortgage lending in Pennington County, South Dakota
Lenders in Pennington County, South Dakota reported 4,145 mortgage applications for 2025, according to the CFPB.
4,145 mortgage applications and 2,661 loans originated in 2025; the denial rate was 16.3% of 3,348 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Rapid City, SD HUD Metro FMR Area.
- 4,145
- Applications
- 2,661
- Loans originated
- 16.3%
- Denial rate
- 546 denied of 3,348 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,145 | 2,661 |
| 2024 | 3,529 | 2,316 |
| 2023 | 3,313 | 2,261 |
| 2022 | 4,649 | 3,161 |
| 2021 | 7,341 | 5,049 |
| 2020 | 7,730 | 5,467 |
| 2019 | 4,444 | 3,073 |
| 2018 | 3,980 | 2,747 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| CMG Mortgage Inc | 430 | 573 |
| Black Hills Federal Credit Union | 315 | 545 |
| Granite Bank | 144 | 191 |
| Rocket Mortgage | 140 | 176 |
| United Wholesale Mortgage | 139 | 161 |
| Plains Commerce Bank | 134 | 190 |
| Mortgage Research Center | 90 | 161 |
| American Neighborhood Mortgage Acceptance Company | 85 | 105 |
| US Bank, N.A. | 66 | 115 |
| Bankwest, Inc. | 65 | 108 |
| Pennymac Loan Services LLC | 59 | 101 |
| Kind Lending, LLC | 54 | 73 |
| American Pacific Mortgage Corporation | 51 | 66 |
| Gateway First Bank | 49 | 73 |
| Freedom Mortgage Corporation | 48 | 98 |
| Dacotah Bank | 47 | 56 |
| Aspen Federal Credit Union | 44 | 71 |
| First National Bank | 43 | 54 |
| Black Hills Community Bank, NA | 41 | 64 |
| Pioneer Bank & Trust | 38 | 52 |
| Newrez LLC | 37 | 75 |
| Navy Federal Credit Union | 27 | 50 |
| First Interstate Bank | 25 | 51 |
| Security First Bank | 24 | 28 |
| Nationstar Mortgage | 23 | 32 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 141 | 27.0% of 111 decided |
| Asian | 64 | no rate: base under 50 |
| Black or African American | 50 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,054 | 14.7% of 2,489 decided |
| 2 or more minority races | under 10 | |
| Joint | 167 | 13.9% of 130 decided |
| Race Not Available | 653 | 20.8% of 518 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 122 | 18.3% of 93 decided |
| Not Hispanic or Latino | 3,223 | 15.6% of 2,624 decided |
| Joint | withheld | |
| Ethnicity Not Available | 720 | 20.1% of 568 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,257 | 16.9% of 1,011 decided |
| Female | 773 | 22.6% of 628 decided |
| Joint | 1,725 | 11.5% of 1,401 decided |
| Sex Not Available | 390 | 23.4% of 308 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. 371 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