Mortgage lenders in Minnehaha County
4,705 mortgages were made in Minnehaha County, South Dakota, in 2025, by 212 lenders. The median rate their borrowers got was 6.500% on a median loan of $235,000. Of 5,610 decisions, 770 were denials — 13.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Plains Commerce Bank | 701 | 6.250% | $275,000 | 6.8% |
| First PREMIER Bank | 470 | 6.875% | $205,000 | 15.7% |
| Levo Federal Credit Union | 345 | 7.500% | $105,000 | 8.4% |
| First International Bank & Trust | 278 | 6.625% | $265,000 | 4.4% |
| First Bank & Trust | 267 | 6.500% | $215,000 | 11.7% |
| First Dakota National Bank | 190 | 6.500% | $295,000 | 1.6% |
| Fairway Independent Mortgage Corporation | 173 | 6.250% | $275,000 | 2.8% |
| Central Bank | 160 | 6.375% | $285,000 | 6.4% |
| Rocket Mortgage, LLC | 156 | 6.813% | $155,000 | 14.4% |
| U.S. Bank National Association | 115 | 7.375% | $195,000 | 28.4% |
| CorTrust Bank National Association | 99 | Not published | $95,000 | 7.5% |
| The First National Bank in Sioux Falls | 98 | Not published | $225,000 | 1.9% |
| SERVICE FIRST FEDERAL CREDIT UNION | 97 | Not published | $285,000 | 10.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 97 | 6.750% | $245,000 | 4.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 76 | 6.124% | $290,000 | 16.7% |
| American Bank & Trust | 75 | 6.625% | $255,000 | 15.6% |
| Reliabank Dakota | 67 | 6.850% | $265,000 | 2.9% |
| BLACK HILLS FEDERAL CREDIT UNION | 65 | 6.750% | $165,000 | 24.7% |
| First Interstate Bank | 60 | 8.250% | $75,000 | 31.1% |
| CORTRUST MORTGAGE, INC. | 57 | 6.375% | $285,000 | 1.7% |
| CU MORTGAGE DIRECT, LLC | 54 | 6.125% | $255,000 | 5.3% |
| NEWREZ LLC | 44 | 6.250% | $280,000 | 29.7% |
| VOYAGE FEDERAL CREDIT UNION | 44 | Not published | $75,000 | 12.5% |
| Dacotah Bank | 44 | 6.438% | $240,000 | 8.3% |
| Mortgage Research Center, LLC | 41 | 6.250% | $295,000 | 28.1% |
| Wells Fargo Bank, National Association | 41 | 6.625% | $265,000 | 18.0% |
| GUARANTEED RATE, INC. | 35 | 6.125% | $295,000 | 10.0% |
| BANKWEST, INC. | 34 | 8.000% | $95,000 | 34.6% |
| FREEDOM MORTGAGE CORPORATION | 31 | 6.125% | $315,000 | 14.3% |
| Citizens Bank, National Association | 31 | 6.650% | $205,000 | 36.0% |
| Frontier Bank | 29 | Not published | $135,000 | 0.0% |
| BLUESTONE FEDERAL CREDIT UNION | 28 | Not published | $55,000 | 9.7% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.875% | $175,000 | 21.9% |
| Security National Bank of South Dakota | 23 | Not published | $215,000 | 25.8% |
| Security Savings Bank | 21 | Not published | $245,000 | 4.6% |
| Minnwest Bank | 20 | 7.400% | $130,000 | 9.1% |
| Quoin Financial Bank | 19 | Not published | $185,000 | 13.6% |
| WEST GATE BANK | 19 | 6.625% | $315,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 8.500% | $80,000 | 18.2% |
| Navy Federal Credit Union | 17 | 8.250% | $205,000 | 26.1% |
| Coastal Community Bank | 15 | 7.990% | $55,000 | 0.0% |
| MISSION LOANS, LLC | 15 | 8.875% | $75,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 15 | 6.125% | $255,000 | 0.0% |
| American State Bank | 15 | Not published | $265,000 | 6.3% |
| First State Bank Southwest | 13 | Not published | $275,000 | 0.0% |
| FIGURE LENDING LLC | 12 | 8.175% | $65,000 | 29.6% |
| Loandepot.Com, LLC | 11 | 7.875% | $125,000 | 48.2% |
| IOWA BANKERS MORTGAGE CORPORATION | 11 | 6.500% | $305,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 10 | 9.920% | $85,000 | 50.0% |
| JPMorgan Chase Bank, National Association | 10 | 6.250% | $315,000 | 23.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 70.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 61.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 41.7% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 30.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Flanagan State Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Western Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 80.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 82.8% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Farm Credit Mid-America | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Premier Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank Midwest | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Rivers Edge Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| First National Bank of Omaha | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Black Hills Community Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Utah | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Dixon County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Pioneer Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atkins Savings Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWN AND COUNTRY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBI Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHMARK Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLLIERS MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primebank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Availa Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAILWAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lincoln FSB of Nebraska | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Platte Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHARTER WEST BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SmartFi Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SKYWARD CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Summit Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Cambria Financial Group, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Home Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ARBOR REALTY TRUST, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Builder Finance Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CALCON MUTUAL MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Elements Financial Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| FirstBank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bison State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 12 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Minnehaha County
83 FDIC-insured branches from 26 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- First PREMIER Bank, 4000 S Southeastern Ave, Sioux Falls
Get told when this changes
When the next year’s lending figures are out for Minnehaha County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.