Lender in South Dakota · HMDA 2025
Cortrust Mortgage, Inc. mortgages in South Dakota
Cortrust Mortgage, Inc.'s 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
Cortrust Mortgage, Inc. originated 216 owner-occupied single-family loans in South Dakota from 230 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $4,920 versus $4,750 for all South Dakota lenders, at a median 30-year fixed rate of 6.375% (South Dakota: 6.49%).
Loans in SD
216
of 230 applications
Denial rate
4.3%
Purchase · SD 6.9%
Rate spread
−0.08 pts
Conv. · SD +0.03 pts
Loan amount
$235,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 186 | 178 | 4.3% | 6.375% | −0.08 pts | $4,920 | $235,000 |
| Refinance | 26 | 22 | 15.4% | — | −0.09 pts | $4,670 | $235,000 |
| Cash-out refinance | 18 | 16 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where Cortrust Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sanborn County | 1 | 3 | 27.3% |
| Miner County | 1 | 2 | 14.3% |
| Yankton County | 2 | 33 | 13.4% |
| Davison County | 2 | 31 | 14.2% |
| Hanson County | 2 | 4 | 11.4% |
| Day County | 2 | 3 | 8.6% |
| Jerauld County | 2 | 1 | 9.1% |
| Brown County | 3 | 27 | 8.7% |
| Clay County | 3 | 8 | 6.0% |
| Bon Homme County | 3 | 3 | 5.4% |
| Hyde County | 3 | 1 | 10.0% |
| Spink County | 4 | 2 | 8.3% |
| Aurora County | 4 | 1 | 5.9% |
| McPherson County | 4 | 1 | 6.3% |
| Brule County | 5 | 2 | 6.7% |
| Stanley County | 5 | 1 | 4.3% |
| Marshall County | 6 | 1 | 4.8% |
| Beadle County | 7 | 2 | 1.4% |
| Walworth County | 8 | 1 | 2.9% |
| Roberts County | 9 | 1 | 2.2% |
| Charles Mix County | 10 | 1 | 2.4% |
| McCook County | 11 | 2 | 2.2% |
| Lincoln County | 12 | 25 | 1.9% |
| Moody County | 12 | 1 | 1.7% |
| Hutchinson County | 13 | 1 | 1.2% |
| Minnehaha County | 15 | 53 | 1.7% |
| Custer County | 16 | 1 | 0.9% |
| Lake County | 22 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology