Mutual of Omaha Mortgage in South Dakota vs the state
24.4%Denial rate+11.69 pts vs state
31.9%Decision denial rate+16.15 pts vs state
50.0%Origination rate-16.04 pts vs state
6.49%Median rate-0.01 pts vs state
0.32Rate spread (pts)+0.14 pts vs state
$71kMedian applicant income
45Loans originated
22Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 28 | 33.3% | 6.81% | #59 |
| 2024 | 87 | 47 | 25.3% | 6.75% | #51 |
| 2025 | 90 | 45 | 24.4% | 6.49% | #59 |
What Mutual of Omaha 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 Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 15 | 8 | 3 | 20.0% |
| Pennington County | 15 | 10 | 3 | 20.0% |
| Lincoln County | 8 | 3 | 3 | 37.5% |
| Brown County | 7 | 4 | 0 | 0.0% |
| Lawrence County | 6 | 3 | 1 | 16.7% |
| Meade County | 4 | 2 | 1 | 25.0% |
| Codington County | 4 | 1 | 3 | 75.0% |
| Butte County | 3 | 3 | 0 | 0.0% |
| Lake County | 2 | 1 | 1 | 50.0% |
| Haakon County | 2 | 0 | 1 | 50.0% |
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: 90 applications in 2025, of which 45 were originated and 22 denied.
24.4% of all applications, or 31.9% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans Mutual of Omaha Mortgage originated in South Dakota in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Mutual of Omaha 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