Refinancing lenders in Union County
67 refinancing mortgages were made in Union County, South Dakota, in 2025, by 40 lenders. The median rate their borrowers got was 5.990% on a median loan of $195,000. Of 85 decisions, 14 were denials — 16.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SIOUXLAND FEDERAL CREDIT UNION | 14 | 5.870% | $145,000 | 16.7% |
| Central Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Availa Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Security National Bank of Sioux City, Iowa | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First PREMIER Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security National Bank of South Dakota | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primebank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTER WEST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVICE FIRST FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Dakota National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CorTrust Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flanagan State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Levo Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 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.
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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.