Lender in South Dakota · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in South Dakota
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 379 owner-occupied single-family loans in South Dakota from 434 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $5,850 versus $4,750 for all South Dakota lenders, at a median 30-year fixed rate of 6.625% (South Dakota: 6.49%).
Loans in SD
379
of 434 applications
Denial rate
4.6%
Purchase · SD 6.9%
Rate spread
+0.23 pts
Conv. · SD +0.03 pts
Loan amount
$305,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 217 | 205 | 4.6% | 6.625% | +0.23 pts | $5,850 | $305,000 |
| Refinance | 144 | 123 | 10.4% | 6.125% | +0.01 pts | $5,080 | $355,000 |
| Cash-out refinance | 73 | 51 | 27.4% | — | — | — | $265,000 |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 31.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ziebach County | 1 | 1 | 100.0% |
| Meade County | 2 | 45 | 9.2% |
| Butte County | 2 | 16 | 10.5% |
| Lawrence County | 3 | 30 | 8.1% |
| Pennington County | 4 | 122 | 6.7% |
| Jerauld County | 5 | 1 | 9.1% |
| Davison County | 6 | 11 | 5.0% |
| Gregory County | 6 | 2 | 7.4% |
| Tripp County | 6 | 2 | 6.7% |
| Custer County | 7 | 6 | 5.2% |
| Hutchinson County | 7 | 3 | 3.7% |
| Brown County | 8 | 8 | 2.6% |
| Yankton County | 8 | 7 | 2.8% |
| Fall River County | 8 | 3 | 2.7% |
| Edmunds County | 8 | 1 | 4.8% |
| Moody County | 9 | 2 | 3.5% |
| Aurora County | 9 | 1 | 5.9% |
| Marshall County | 9 | 1 | 4.8% |
| McCook County | 10 | 3 | 3.3% |
| Minnehaha County | 12 | 69 | 2.3% |
| Hughes County | 12 | 2 | 1.0% |
| Brule County | 12 | 1 | 3.3% |
| Brookings County | 13 | 5 | 1.5% |
| Lincoln County | 14 | 24 | 1.8% |
| Turner County | 14 | 3 | 2.6% |
| Grant County | 15 | 1 | 1.3% |
| Roberts County | 17 | 1 | 2.2% |
| Kingsbury County | 18 | 1 | 1.7% |
| Union County | 19 | 3 | 1.3% |
| Codington County | 20 | 2 | 0.6% |
- United Wholesale Mortgage (UWM) nationwide
- South Dakota mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology