21st Mortgage in South Dakota vs the state
46.3%Denial rate+33.51 pts vs state
67.4%Decision denial rate+51.62 pts vs state
21.5%Origination rate-44.54 pts vs state
10.12%Median rate+3.62 pts vs state
5.02Rate spread (pts)+4.84 pts vs state
$61kMedian applicant income
46Loans originated
99Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 28 | 51.4% | 10.68% | #33 |
| 2024 | 251 | 62 | 40.6% | 9.84% | #26 |
| 2025 | 214 | 46 | 46.3% | 10.12% | #31 |
What 21st Mortgage lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pennington County | 38 | 7 | 21 | 55.3% |
| Minnehaha County | 34 | 8 | 21 | 61.8% |
| Clay County | 24 | 7 | 8 | 33.3% |
| Codington County | 13 | 0 | 8 | 61.5% |
| Yankton County | 11 | 0 | 5 | 45.5% |
| Oglala Lakota County | 9 | 1 | 4 | 44.4% |
| Lincoln County | 9 | 1 | 5 | 55.6% |
| Moody County | 5 | 1 | 2 | 40.0% |
| Meade County | 5 | 2 | 1 | 20.0% |
| Brookings County | 5 | 1 | 3 | 60.0% |
Other large lenders in South Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Plains Commerce Bank | B | 2,280 | 5.5% | 6.25% |
| First PREMIER Bank | C | 1,389 | 11.7% | 6.88% |
| First Bank & Trust | C | 1,320 | 11.2% | 6.63% |
| Black Hills Federal Credit Union | D | 1,223 | 23.0% | 7.75% |
| Rocket Mortgage | C | 1,027 | 16.9% | 6.75% |
| CMG Mortgage | A | 919 | 2.3% | 6.38% |
| Bankwest | F | 786 | 14.0% | 7.25% |
| First Dakota National Bank | A | 690 | 4.6% | 6.50% |
| Levo Federal Credit Union | B | 644 | 6.8% | 7.50% |
| U.S. Bank | D | 637 | 24.0% | 6.99% |
Frequently asked questions
South Dakota: 214 applications in 2025, of which 46 were originated and 99 denied.
46.3% of all applications, or 67.4% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans 21st Mortgage originated in South Dakota in 2025 was 10.12%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in South Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology