Crosscountry Mortgage in South Dakota vs the state
4.2%Denial rate-8.57 pts vs state
5.4%Decision denial rate-10.38 pts vs state
73.2%Origination rate+7.18 pts vs state
6.75%Median rate+0.25 pts vs state
0.52Rate spread (pts)+0.34 pts vs state
$94kMedian applicant income
175Loans originated
10Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 153 | 1.2% | 6.88% | #25 |
| 2024 | 187 | 133 | 0.5% | 6.75% | #37 |
| 2025 | 239 | 175 | 4.2% | 6.75% | #28 |
What Crosscountry 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 Crosscountry Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 126 | 97 | 5 | 4.0% |
| Lincoln County | 33 | 23 | 1 | 3.0% |
| Turner County | 9 | 8 | 0 | 0.0% |
| Yankton County | 8 | 5 | 0 | 0.0% |
| Pennington County | 7 | 5 | 0 | 0.0% |
| Clay County | 6 | 5 | 0 | 0.0% |
| Bon Homme County | 5 | 3 | 1 | 20.0% |
| Lawrence County | 5 | 2 | 0 | 0.0% |
| McCook County | 4 | 4 | 0 | 0.0% |
| Lake County | 4 | 2 | 1 | 25.0% |
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: 239 applications in 2025, of which 175 were originated and 10 denied.
4.2% of all applications, or 5.4% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans Crosscountry Mortgage originated in South Dakota in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Crosscountry 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