Lender in South Dakota · HMDA 2025
Plains Commerce Bank mortgages in South Dakota
Plains Commerce Bank's 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
Plains Commerce Bank originated 1,363 owner-occupied single-family loans in South Dakota from 1,458 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $6,390 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
1,363
of 1,458 applications
Denial rate
4.2%
Purchase · SD 6.9%
Rate spread
−0.01 pts
Conv. · SD +0.03 pts
Loan amount
$285,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,227 | 1,176 | 4.2% | 6.375% | −0.01 pts | $6,390 | $285,000 |
| Refinance | 143 | 119 | 16.8% | 6.375% | −0.00 pts | $5,610 | $325,000 |
| Cash-out refinance | 88 | 68 | 22.7% | 6.625% | +0.19 pts | $6,030 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where Plains Commerce Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 44.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Minnehaha County | 1 | 626 | 20.4% |
| Lincoln County | 1 | 268 | 20.2% |
| Davison County | 1 | 43 | 19.6% |
| Clay County | 1 | 22 | 16.4% |
| Hutchinson County | 1 | 17 | 21.0% |
| McCook County | 1 | 14 | 15.6% |
| Turner County | 1 | 14 | 12.1% |
| Hamlin County | 1 | 13 | 15.7% |
| Moody County | 1 | 10 | 17.2% |
| Pennington County | 2 | 125 | 6.9% |
| Lake County | 2 | 20 | 13.4% |
| Edmunds County | 2 | 3 | 14.3% |
| Potter County | 2 | 3 | 17.6% |
| Campbell County | 2 | 1 | 20.0% |
| Brookings County | 3 | 21 | 6.3% |
| Yankton County | 3 | 12 | 4.9% |
| Hanson County | 3 | 4 | 11.4% |
| Douglas County | 3 | 3 | 11.5% |
| Aurora County | 3 | 2 | 11.8% |
| Union County | 4 | 15 | 6.4% |
| Beadle County | 4 | 4 | 2.8% |
| Charles Mix County | 4 | 3 | 7.3% |
| Hand County | 4 | 2 | 10.5% |
| Jones County | 4 | 1 | 25.0% |
| Meade County | 5 | 27 | 5.5% |
| Brown County | 5 | 20 | 6.5% |
| Spink County | 5 | 2 | 8.3% |
| Codington County | 6 | 24 | 7.0% |
| Fall River County | 6 | 5 | 4.5% |
| Kingsbury County | 6 | 3 | 5.1% |
- Plains Commerce Bank nationwide
- South Dakota mortgage market
- Plains Commerce Bank in Florida
- Plains Commerce Bank in Arizona
- Plains Commerce Bank in Texas
- Plains Commerce Bank in Utah
- Plains Commerce Bank in Colorado
- Plains Commerce Bank in Georgia
- Plains Commerce Bank in Minnesota
- Plains Commerce Bank in Nebraska
- Plains Commerce Bank in North Carolina
- Plains Commerce Bank in California
- Plains Commerce Bank in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology