Empeople Credit Union in South Dakota vs the state
33.3%Denial rate+20.58 pts vs state
33.3%Decision denial rate+17.60 pts vs state
66.7%Origination rate+0.63 pts vs state
6.87%Median rate+0.37 pts vs state
-0.37Rate spread (pts)-0.55 pts vs state
$162kMedian applicant income
4Loans originated
2Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 8 | 15.4% | 6.56% | #107 |
| 2024 | 10 | 7 | 10.0% | 6.49% | #123 |
| 2025 | 6 | 4 | 33.3% | 6.87% | #164 |
What Empeople Credit Union lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 2 | 1 | 1 | 50.0% |
| Grant County | 1 | 0 | 1 | 100.0% |
| Charles Mix County | 1 | 1 | 0 | 0.0% |
| Beadle County | 1 | 1 | 0 | 0.0% |
| Hand 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: 6 applications in 2025, of which 4 were originated and 2 denied.
33.3% 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 Empeople Credit Union originated in South Dakota in 2025 was 6.87%, against a statewide median of 6.50%.
About this data. Figures are Empeople Credit Union'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