Lender in South Dakota · HMDA 2025
Dacotah Bank mortgages in South Dakota
Dacotah Bank's 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
Dacotah Bank originated 293 owner-occupied single-family loans in South Dakota from 311 completed applications, making it the state's #10 lender by volume.
Its median conventional purchase loan costs were $4,320 versus $4,750 for all South Dakota lenders, at a median 30-year fixed rate of 6.50% (South Dakota: 6.49%).
Loans in SD
293
of 311 applications
Denial rate
3.3%
Purchase · SD 6.9%
Rate spread
+0.17 pts
Conv. · SD +0.03 pts
Loan amount
$245,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 273 | 263 | 3.3% | 6.500% | +0.17 pts | $4,320 | $245,000 |
| Refinance | 26 | 20 | 23.1% | — | +0.12 pts | $4,530 | $215,000 |
| Cash-out refinance | 12 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where Dacotah Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Brown County | 1 | 89 | 28.8% |
| Day County | 1 | 13 | 37.1% |
| Clark County | 1 | 9 | 32.1% |
| Walworth County | 1 | 9 | 26.5% |
| Faulk County | 1 | 4 | 33.3% |
| Perkins County | 1 | 3 | 42.9% |
| McPherson County | 2 | 2 | 12.5% |
| Custer County | 3 | 13 | 11.3% |
| Edmunds County | 3 | 3 | 14.3% |
| Spink County | 3 | 3 | 12.5% |
| Roberts County | 4 | 3 | 6.5% |
| Marshall County | 4 | 2 | 9.5% |
| Codington County | 5 | 25 | 7.3% |
| Brookings County | 7 | 9 | 2.7% |
| Hamlin County | 7 | 4 | 4.8% |
| Deuel County | 8 | 2 | 4.9% |
| Bon Homme County | 9 | 2 | 3.6% |
| Kingsbury County | 10 | 2 | 3.4% |
| Sully County | 10 | 1 | 5.9% |
| Lyman County | 11 | 1 | 6.3% |
| Beadle County | 12 | 2 | 1.4% |
| Pennington County | 15 | 32 | 1.8% |
| Turner County | 16 | 3 | 2.6% |
| Hanson County | 16 | 1 | 2.9% |
| McCook County | 17 | 2 | 2.2% |
| Lake County | 19 | 2 | 1.3% |
| Moody County | 21 | 1 | 1.7% |
| Grant County | 22 | 1 | 1.3% |
| Minnehaha County | 24 | 31 | 1.0% |
| Union County | 24 | 3 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology