Mortgage lending in South Dakota
Lenders in South Dakota reported 25,910 mortgage applications for 2025, according to the CFPB.
25,910 mortgage applications and 17,111 loans originated in 2025. 3,303 of the 20,993 applications decided were denied, 15.7%. From 2025, the CFPB’s Snapshot release.
- 25,910
- Applications
- 17,111
- Loans originated
- 18.3 per 1,000 residents, over the Census Bureau's 2025 estimate.
- 15.7%
- Denial rate
- 3,303 denied of 20,993 applications decided.
The largest lenders in South Dakota
2 more columns on a wider screen
| Rank | Lender | Originated |
|---|---|---|
| 1 | Plains Commerce Bank | 1,570 |
| 2 | First Bank & Trust | 972 |
| 3 | First Premier Bank | 942 |
| 4 | Rocket Mortgage | 753 |
| 5 | Black Hills Federal Credit Union | 738 |
| 6 | CMG Mortgage Inc | 689 |
| 7 | First Dakota National Bak | 576 |
| 8 | Levo Federal Credit Union | 541 |
| 9 | First International Bank & Trust | 503 |
| 10 | Bankwest, Inc. | 494 |
| 11 | Dacotah Bank | 433 |
| 12 | United Wholesale Mortgage | 426 |
| 13 | American Bank & Trust | 417 |
| 14 | US Bank, N.A. | 392 |
| 15 | Fairway Independent Mort Corp | 375 |
| 16 | First Interstate Bank | 364 |
| 17 | Central Bank | 304 |
| 18 | Mortgage Research Center | 298 |
| 19 | Cortrust Bank | 270 |
| 20 | Cortrust Mortgage, Inc. | 229 |
| 21 | Granite Bank | 229 |
| 22 | First National Bank | 189 |
| 23 | Pennymac Loan Services LLC | 187 |
| 24 | Crosscountry Mortgage, LLC | 175 |
| 25 | Guaranteed Rate, Inc. | 173 |
Counties in South Dakota
1 more column on a wider screen
| County | Originated | Median loan |
|---|---|---|
| Minnehaha County | 4,705 | $235,000 |
| Pennington County | 2,661 | $285,000 |
| Lincoln County | 2,011 | $265,000 |
| Meade County | 742 | $305,000 |
| Lawrence County | 678 | $265,000 |
| Codington County | 595 | $195,000 |
| Brookings County | 519 | $225,000 |
| Brown County | 460 | $195,000 |
| Union County | 350 | $235,000 |
| Davison County | 346 | $185,000 |
| Yankton County | 343 | $215,000 |
| Hughes County | 299 | $215,000 |
| Lake County | 262 | $195,000 |
| Clay County | 244 | $175,000 |
| Butte County | 235 | $225,000 |
| Custer County | 225 | $275,000 |
| Fall River County | 192 | $205,000 |
| Turner County | 189 | $195,000 |
| Beadle County | 187 | $175,000 |
| Hamlin County | 145 | $215,000 |
| Grant County | 137 | $155,000 |
| McCook County | 126 | $185,000 |
| Hutchinson County | 111 | $165,000 |
| Moody County | 92 | $185,000 |
| Kingsbury County | 88 | $175,000 |
| Roberts County | 84 | $155,000 |
| Day County | 74 | $155,000 |
| Bon Homme County | 72 | $155,000 |
| Deuel County | 68 | $175,000 |
| Charles Mix County | 61 | $165,000 |
| Walworth County | 61 | $135,000 |
| Brule County | 51 | $145,000 |
| Clark County | 49 | under 50 loans |
| Hanson County | 48 | under 50 loans |
| Tripp County | 43 | under 50 loans |
| Stanley County | 42 | under 50 loans |
| Gregory County | 39 | under 50 loans |
| Lyman County | 35 | under 50 loans |
| Spink County | 34 | under 50 loans |
| Douglas County | 33 | under 50 loans |
| Edmunds County | 33 | under 50 loans |
| Hand County | 29 | under 50 loans |
| Potter County | 29 | under 50 loans |
| Sully County | 29 | under 50 loans |
| Aurora County | 28 | under 50 loans |
| Marshall County | 27 | under 50 loans |
| McPherson County | 24 | under 50 loans |
| Miner County | 23 | under 50 loans |
| Faulk County | 19 | under 50 loans |
| Haakon County | 16 | under 50 loans |
| Sanborn County | 16 | under 50 loans |
| Jerauld County | 15 | under 50 loans |
| Perkins County | 14 | under 50 loans |
| Hyde County | 11 | under 50 loans |
| Campbell County | 10 | under 50 loans |
| Harding County | 10 | under 50 loans |
| Bennett County | 7 | under 50 loans |
| Jackson County | 6 | under 50 loans |
| Jones County | 6 | under 50 loans |
| Corson County | 3 | under 50 loans |
| Todd County | 3 | under 50 loans |
| Ziebach County | 3 | under 50 loans |
| Dewey County | 2 | under 50 loans |
| Oglala Lakota County | 2 | under 50 loans |
| Buffalo County | 1 | under 50 loans |
| Mellette County | 1 | under 50 loans |
South Dakota elsewhere on the Factbook
- Reported crime Crime and justice
Offenses reported to police by type, the trend, and the reporting coverage.
- Most dangerous cities in South Dakota Crime and justice
What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.
- Prison population Crime and justice
People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.
- Arrests by race, sex and age Crime and justice
Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.
- Hate crime Crime and justice
Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.
- Federal obligations Federal spending
What federal agencies obligated against a place of performance in the state, per resident and by agency.
- Registered nonprofits Nonprofits
How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.
- Payments to doctors Health
What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.
- Farm program payments Farm subsidies
What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.
- Paycheck Protection Program loans PPP loans
The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.
- Public schools Schools
Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.
- Banks and credit unions Banks and credit unions
The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.
- Housing Housing
The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.
- College athletics Sports
Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.
- Federal civilian workforce Federal salaries
Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.
- The South Dakota Factbook entry Across the Factbook
Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.
The immigration hub has no page for this state: EOIR runs no immigration court here, and CBP publishes by sector and field office, which are its own areas of responsibility rather than a geography. Immigration and the border.
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