Citibank in South Dakota vs the state
23.1%Denial rate+10.33 pts vs state
33.3%Decision denial rate+17.60 pts vs state
46.2%Origination rate-19.89 pts vs state
8.19%Median rate+1.69 pts vs state
1.00Rate spread (pts)+0.82 pts vs state
$80kMedian applicant income
6Loans originated
3Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 1 | 0.0% | 8.63% | #162 |
| 2024 | 10 | 3 | 30.0% | 6.38% | #127 |
| 2025 | 13 | 6 | 23.1% | 8.19% | #123 |
What Citibank lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 8 | 4 | 1 | 12.5% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Lawrence County | 2 | 0 | 1 | 50.0% |
| Oglala Lakota County | 1 | 0 | 1 | 100.0% |
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: 13 applications in 2025, of which 6 were originated and 3 denied.
23.1% of all applications, or 33.3% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans Citibank originated in South Dakota in 2025 was 8.19%, against a statewide median of 6.50%.
About this data. Figures are Citibank'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