American Pacific Mortgage in South Dakota vs the state
5.9%Denial rate-6.87 pts vs state
7.1%Decision denial rate-8.67 pts vs state
77.5%Origination rate+11.41 pts vs state
6.50%Median rate0.00 pts vs state
0.42Rate spread (pts)+0.23 pts vs state
$111kMedian applicant income
79Loans originated
6Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 55 | 8.4% | 6.63% | #49 |
| 2024 | 78 | 55 | 9.0% | 6.63% | #55 |
| 2025 | 102 | 79 | 5.9% | 6.50% | #54 |
What American Pacific 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 American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pennington County | 66 | 51 | 4 | 6.1% |
| Meade County | 15 | 12 | 1 | 6.7% |
| Lawrence County | 4 | 3 | 1 | 25.0% |
| Minnehaha County | 3 | 2 | 0 | 0.0% |
| Lincoln County | 3 | 2 | 0 | 0.0% |
| Yankton County | 2 | 2 | 0 | 0.0% |
| Butte County | 2 | 1 | 0 | 0.0% |
| Custer County | 2 | 1 | 0 | 0.0% |
| Fall River County | 1 | 1 | 0 | 0.0% |
| Sully 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: 102 applications in 2025, of which 79 were originated and 6 denied.
5.9% of all applications, or 7.1% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans American Pacific Mortgage originated in South Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are American Pacific 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