Dacotah Bank
Dacotah Bank received 680 applications in 2025 and made 578 mortgages, in 90 counties across 12 states. The median rate its borrowers got was 6.625% on a median loan of $215,000. Of 621 decisions, 40 were denials — 6.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300UQPFB0RR8JCA42 |
|---|---|
| Applications received | 680 |
| Mortgages made | 578 |
| Denied | 40 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 59 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.223 points |
| FDIC-insured bank | Yes: Dacotah Bank, 32 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 396 | 6.500% | $255,000 | 2.9% |
| Refinancing | 92 | 7.000% | $145,000 | 7.1% |
| Cash-out refinancing | 17 | 6.625% | $155,000 | 21.7% |
| Other purposes | 73 | 7.000% | $35,000 | 17.8% |
Where Dacotah Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Brown County, SD | 115 | 6.500% | 4.9% |
| Pennington County, SD | 47 | 6.625% | 4.1% |
| Codington County, SD | 45 | 6.625% | 4.3% |
| Minnehaha County, SD | 44 | 6.438% | 8.3% |
| Day County, SD | 22 | 6.750% | 0.0% |
| Cass County, ND | 20 | 6.500% | 0.0% |
| Stark County, ND | 19 | 7.500% | 4.8% |
| Ward County, ND | 17 | 6.375% | 10.5% |
| Custer County, SD | 17 | 6.625% | 0.0% |
| Clark County, SD | 15 | 6.875% | 16.7% |
| Brookings County, SD | 14 | 6.350% | 6.7% |
| Lincoln County, SD | 14 | 6.875% | 6.7% |
| Walworth County, SD | 13 | 6.500% | 7.1% |
| Barnes County, ND | 12 | 6.975% | 0.0% |
| Meade County, SD | 10 | 6.750% | 16.7% |
| Stevens County, MN | 8 | Under 10 loans | 20.0% |
| Edmunds County, SD | 8 | Under 10 loans | 0.0% |
| Roberts County, SD | 8 | Under 10 loans | 27.3% |
| Stutsman County, ND | 7 | Under 10 loans | 0.0% |
| Faulk County, SD | 7 | Under 10 loans | 22.2% |
| Burleigh County, ND | 6 | Under 10 loans | 14.3% |
| Perkins County, SD | 6 | Under 10 loans | 0.0% |
| Hamlin County, SD | 5 | Under 10 loans | 0.0% |
| Burke County, ND | 4 | Under 10 loans | 0.0% |
| Rolette County, ND | 4 | Under 10 loans | 0.0% |
| Spink County, SD | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Clay County, MN | 3 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 3 | Under 10 loans | 0.0% |
| Adams County, ND | 3 | Under 10 loans | 0.0% |
| Renville County, ND | 3 | Under 10 loans | 0.0% |
| Williams County, ND | 3 | Under 10 loans | 0.0% |
| Lawrence County, SD | 3 | Under 10 loans | 0.0% |
| Turner County, SD | 3 | Under 10 loans | 0.0% |
| Union County, SD | 3 | Under 10 loans | 25.0% |
| Larimer County, CO | 2 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 2 | Under 10 loans | 0.0% |
| Dunn County, ND | 2 | Under 10 loans | 0.0% |
| Morton County, ND | 2 | Under 10 loans | 0.0% |
| Beadle County, SD | 2 | Under 10 loans | 0.0% |
| Bon Homme County, SD | 2 | Under 10 loans | 33.3% |
| Clay County, SD | 2 | Under 10 loans | 0.0% |
| Deuel County, SD | 2 | Under 10 loans | 0.0% |
| Grant County, SD | 2 | Under 10 loans | 0.0% |
| Kingsbury County, SD | 2 | Under 10 loans | 33.3% |
| Lake County, SD | 2 | Under 10 loans | 0.0% |
| McCook County, SD | 2 | Under 10 loans | 0.0% |
| McPherson County, SD | 2 | Under 10 loans | 0.0% |
| Marshall County, SD | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
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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. 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.