United Shore Financial Services in South Dakota vs the state
9.4%Denial rate-3.34 pts vs state
10.8%Decision denial rate-4.94 pts vs state
75.7%Origination rate+9.63 pts vs state
6.13%Median rate-0.38 pts vs state
0.10Rate spread (pts)-0.09 pts vs state
$107kMedian applicant income
426Loans originated
53Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 318 | 271 | 7.9% | 6.63% | #20 |
| 2024 | 413 | 334 | 9.2% | 6.25% | #15 |
| 2025 | 563 | 426 | 9.4% | 6.13% | #15 |
What United Shore Financial Services lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pennington County | 161 | 139 | 3 | 1.9% |
| Minnehaha County | 113 | 76 | 16 | 14.2% |
| Meade County | 59 | 48 | 4 | 6.8% |
| Lawrence County | 49 | 37 | 4 | 8.2% |
| Lincoln County | 37 | 25 | 7 | 18.9% |
| Butte County | 27 | 19 | 3 | 11.1% |
| Davison County | 18 | 12 | 2 | 11.1% |
| Yankton County | 15 | 7 | 5 | 33.3% |
| Brown County | 12 | 9 | 2 | 16.7% |
| Union County | 6 | 3 | 1 | 16.7% |
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: 563 applications in 2025, of which 426 were originated and 53 denied.
9.4% of all applications, or 10.8% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans United Shore Financial Services originated in South Dakota in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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