Mortgage lenders in South Dakota, county by county
17,103 mortgages were made in South Dakota in 2025, across 66 counties. Each county page lists every lender that lent there, ranked by how many loans it made, with the median rate its borrowers got and how often it said no.
| County | Lenders | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|---|
| Minnehaha County | 212 | 4,705 | 6.500% | $235,000 | 13.7% |
| Pennington County | 193 | 2,661 | 6.490% | $285,000 | 16.3% |
| Lincoln County | 152 | 2,011 | 6.500% | $265,000 | 11.0% |
| Meade County | 111 | 742 | 6.500% | $305,000 | 15.9% |
| Lawrence County | 133 | 678 | 6.750% | $265,000 | 16.5% |
| Codington County | 94 | 595 | 6.625% | $195,000 | 13.7% |
| Brookings County | 105 | 519 | 6.500% | $225,000 | 12.8% |
| Brown County | 92 | 460 | 6.500% | $195,000 | 16.5% |
| Union County | 97 | 350 | 6.500% | $235,000 | 15.2% |
| Davison County | 77 | 346 | 6.500% | $185,000 | 13.3% |
| Yankton County | 93 | 343 | 6.375% | $215,000 | 16.5% |
| Hughes County | 74 | 299 | 6.490% | $215,000 | 16.3% |
| Lake County | 69 | 262 | 6.625% | $195,000 | 15.6% |
| Clay County | 80 | 244 | 6.750% | $175,000 | 20.7% |
| Butte County | 66 | 235 | 6.500% | $225,000 | 19.4% |
| Custer County | 89 | 225 | 6.625% | $275,000 | 20.5% |
| Fall River County | 70 | 192 | 6.625% | $205,000 | 23.3% |
| Turner County | 70 | 189 | 6.750% | $195,000 | 20.3% |
| Beadle County | 48 | 187 | 6.625% | $175,000 | 21.2% |
| Hamlin County | 54 | 145 | 6.750% | $215,000 | 11.2% |
| Grant County | 47 | 137 | 6.875% | $155,000 | 16.7% |
| McCook County | 64 | 126 | 6.538% | $185,000 | 18.1% |
| Hutchinson County | 63 | 111 | 6.313% | $165,000 | 20.1% |
| Moody County | 52 | 92 | 6.500% | $185,000 | 25.4% |
| Kingsbury County | 53 | 88 | 6.375% | $175,000 | 20.5% |
| Roberts County | 51 | 84 | 6.750% | $155,000 | 19.8% |
| Day County | 50 | 74 | 6.625% | $155,000 | 21.1% |
| Bon Homme County | 53 | 72 | 6.500% | $155,000 | 24.0% |
| Deuel County | 32 | 68 | 6.500% | $175,000 | 14.8% |
| Charles Mix County | 45 | 61 | 6.750% | $165,000 | 17.5% |
| Walworth County | 35 | 61 | 6.750% | $135,000 | 8.2% |
| Brule County | 35 | 51 | 6.625% | $145,000 | 14.1% |
| Clark County | 26 | 49 | 6.750% | $145,000 | 22.2% |
| Hanson County | 36 | 48 | 6.500% | $200,000 | 9.1% |
| Tripp County | 31 | 43 | 6.525% | $205,000 | 25.4% |
| Stanley County | 27 | 42 | 6.625% | $200,000 | 25.0% |
| Gregory County | 35 | 39 | 6.500% | $155,000 | 35.5% |
| Lyman County | 33 | 35 | 7.058% | $155,000 | 16.7% |
| Spink County | 32 | 34 | 6.500% | $155,000 | 37.0% |
| Douglas County | 30 | 33 | 6.750% | $175,000 | 26.7% |
| Edmunds County | 39 | 33 | 6.625% | $165,000 | 22.2% |
| Hand County | 23 | 29 | 6.552% | $155,000 | 36.2% |
| Potter County | 21 | 29 | 6.990% | $95,000 | 28.6% |
| Sully County | 26 | 29 | 6.625% | $175,000 | 17.1% |
| Aurora County | 25 | 28 | 7.375% | $140,000 | 20.0% |
| Marshall County | 26 | 27 | 6.375% | $135,000 | 29.3% |
| McPherson County | 24 | 24 | 6.843% | $80,000 | 26.3% |
| Miner County | 19 | 23 | 6.688% | $115,000 | 14.8% |
| Faulk County | 16 | 19 | 6.625% | $135,000 | 20.8% |
| Haakon County | 19 | 16 | 6.625% | $170,000 | 44.8% |
| Sanborn County | 17 | 16 | 6.875% | $165,000 | 19.1% |
| Jerauld County | 16 | 15 | 6.500% | $125,000 | 23.8% |
| Perkins County | 15 | 14 | 6.700% | $120,000 | 19.1% |
| Hyde County | 14 | 11 | 6.750% | $165,000 | 8.3% |
| Campbell County | 17 | 10 | 6.563% | $135,000 | 41.2% |
| Harding County | 10 | 10 | 6.558% | $155,000 | 0.0% |
| Bennett County | 13 | 7 | Under 10 loans | Under 10 loans | 30.8% |
| Jackson County | 10 | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Jones County | 10 | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Corson County | 8 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Todd County | 12 | 3 | Under 10 loans | Under 10 loans | 63.6% |
| Ziebach County | 5 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dewey County | 6 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Oglala Lakota County | 4 | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Buffalo County | 3 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mellette County | 11 | 1 | Under 10 loans | Under 10 loans | 70.0% |
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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.