A&D Mortgage in South Dakota vs the state
9.1%Denial rate-3.66 pts vs state
10.0%Decision denial rate-5.73 pts vs state
81.8%Origination rate+15.78 pts vs state
6.63%Median rate+0.13 pts vs state
0.29Rate spread (pts)+0.11 pts vs state
$118kMedian applicant income
9Loans originated
1Denied
What A&D 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 A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 4 | 4 | 0 | 0.0% |
| Codington County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 1 | 1 | 50.0% |
| Gregory County | 1 | 1 | 0 | 0.0% |
| Lyman County | 1 | 0 | 0 | 0.0% |
| Davison County | 1 | 1 | 0 | 0.0% |
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: 11 applications in 2025, of which 9 were originated and 1 denied.
9.1% of all applications, or 10.0% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans A&D Mortgage originated in South Dakota in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are A&D 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