Lender in South Dakota · HMDA 2025
Central Bank mortgages in South Dakota
Central Bank's 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
Central Bank originated 222 owner-occupied single-family loans in South Dakota from 227 completed applications, making it the state's #15 lender by volume.
Its median conventional purchase loan costs were $5,290 versus $4,750 for all South Dakota lenders, at a median 30-year fixed rate of 6.25% (South Dakota: 6.49%).
Loans in SD
222
of 227 applications
Denial rate
1.5%
Purchase · SD 6.9%
Rate spread
−0.09 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 | 204 | 200 | 1.5% | 6.250% | −0.09 pts | $5,290 | $305,000 |
| Refinance | 19 | 18 | — | — | — | — | — |
| Cash-out refinance | 4 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where Central Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Union County | 1 | 20 | 8.5% |
| Brookings County | 4 | 11 | 3.3% |
| Minnehaha County | 8 | 120 | 3.9% |
| Lincoln County | 8 | 51 | 3.8% |
| Clay County | 8 | 5 | 3.7% |
| Douglas County | 9 | 1 | 3.9% |
| Spink County | 11 | 1 | 4.2% |
| Hughes County | 15 | 2 | 1.0% |
| Deuel County | 15 | 1 | 2.4% |
| Hanson County | 15 | 1 | 2.9% |
| Lake County | 16 | 2 | 1.3% |
| Charles Mix County | 19 | 1 | 2.4% |
| Moody County | 19 | 1 | 1.7% |
| Hutchinson County | 25 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology