LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in South Dakota vs the state
9.5%Denial rate-3.23 pts vs state
11.1%Decision denial rate-4.62 pts vs state
61.9%Origination rate-4.14 pts vs state
6.25%Median rate-0.25 pts vs state
-0.08Rate spread (pts)-0.26 pts vs state
$139kMedian applicant income
13Loans originated
2Denied
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pennington County | 7 | 6 | 0 | 0.0% |
| Minnehaha County | 4 | 2 | 2 | 50.0% |
| Brown County | 3 | 2 | 0 | 0.0% |
| Codington County | 2 | 1 | 0 | 0.0% |
| Lawrence County | 1 | 0 | 0 | 0.0% |
| Davison County | 1 | 0 | 0 | 0.0% |
| Hutchinson County | 1 | 1 | 0 | 0.0% |
| Brookings County | 1 | 0 | 0 | 0.0% |
| Lincoln 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: 21 applications in 2025, of which 13 were originated and 2 denied.
9.5% of all applications, or 11.1% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in South Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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