JPMorgan Chase Bank in South Dakota vs the state
21.7%Denial rate+8.99 pts vs state
28.9%Decision denial rate+13.12 pts vs state
53.6%Origination rate-12.42 pts vs state
6.13%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.12 pts vs state
$93kMedian applicant income
37Loans originated
15Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 29 | 8.3% | 6.49% | #61 |
| 2024 | 50 | 30 | 14.0% | 6.19% | #68 |
| 2025 | 69 | 37 | 21.7% | 6.13% | #62 |
What JPMorgan Chase Bank lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 16 | 7 | 4 | 25.0% |
| Minnehaha County | 15 | 10 | 3 | 20.0% |
| Pennington County | 5 | 3 | 1 | 20.0% |
| Brookings County | 5 | 3 | 0 | 0.0% |
| Lawrence County | 4 | 2 | 0 | 0.0% |
| Davison County | 3 | 1 | 1 | 33.3% |
| Day County | 2 | 1 | 1 | 50.0% |
| McCook County | 2 | 0 | 2 | 100.0% |
| Lake County | 2 | 2 | 0 | 0.0% |
| Brown County | 2 | 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: 69 applications in 2025, of which 37 were originated and 15 denied.
21.7% of all applications, or 28.9% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans JPMorgan Chase Bank originated in South Dakota in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are JPMorgan Chase Bank'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