Voyage Federal Credit Union in South Dakota vs the state
12.4%Denial rate-0.36 pts vs state
14.0%Decision denial rate-1.73 pts vs state
65.5%Origination rate-0.55 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
74Loans originated
14Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 64 | 9.3% | — | #47 |
| 2024 | 122 | 76 | 25.4% | — | #46 |
| 2025 | 113 | 74 | 12.4% | — | #53 |
What Voyage Federal Credit Union lends in South Dakota
By loan purpose
By loan type
Where in South Dakota
Counties with the most Voyage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 63 | 44 | 7 | 11.1% |
| Clay County | 19 | 9 | 4 | 21.1% |
| Lincoln County | 12 | 10 | 1 | 8.3% |
| Union County | 6 | 3 | 1 | 16.7% |
| Yankton County | 4 | 2 | 0 | 0.0% |
| McCook County | 3 | 2 | 0 | 0.0% |
| Turner County | 2 | 0 | 1 | 50.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Aurora County | 1 | 1 | 0 | 0.0% |
| Bon Homme 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: 113 applications in 2025, of which 74 were originated and 14 denied.
12.4% of all applications, or 14.0% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Voyage Federal 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