Largest lenders in Yankton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Dakota National Bank | A | 103 | 82 | 8.7% | 6.13% |
| 2 | Cortrust Mortgage | B | 41 | 33 | 4.9% | 6.13% |
| 3 | First National Bank of Omaha | C | 40 | 26 | 20.0% | 7.05% |
| 4 | Plains Commerce Bank | B | 25 | 15 | 12.0% | 6.25% |
| 5 | CorTrust Bank | B | 25 | 22 | 8.0% | — |
| 6 | Rocket Mortgage | C | 24 | 16 | 16.7% | 7.31% |
| 7 | First International Bank & Trust | B | 16 | 11 | 6.3% | 6.13% |
| 8 | United Shore Financial Services | B | 15 | 7 | 33.3% | 6.63% |
| 9 | Guaranteed Rate | B | 13 | 8 | 7.7% | 6.24% |
| 10 | Freedom Mortgage | B | 12 | 3 | 16.7% | 6.75% |
| 11 | 21st Mortgage | F | 11 | 0 | 45.5% | — |
| 12 | First Interstate Bank | D | 10 | 5 | 20.0% | 7.13% |
| 13 | CU Mortgage Direct | B | 9 | 6 | 11.1% | 6.00% |
| 14 | First PREMIER Bank | C | 8 | 3 | 25.0% | 6.75% |
| 15 | Crosscountry Mortgage | B | 8 | 5 | 0.0% | 6.58% |
| 16 | Fairway Independent Mortgage | B | 8 | 7 | 0.0% | 6.88% |
| 17 | Mortgage Research Center | C | 8 | 3 | 25.0% | 5.99% |
| 18 | Pennymac Loan Services | C | 7 | 3 | 14.3% | 6.63% |
| 19 | Loandepot.Com | D | 7 | 5 | 14.3% | 7.38% |
| 20 | Farm Credit Mid-America | D | 7 | 5 | 0.0% | 6.88% |
| 21 | Wells Fargo Bank | B | 6 | 4 | 0.0% | 6.38% |
| 22 | U.S. Bank | D | 6 | 3 | 33.3% | 6.63% |
| 23 | Bankwest | F | 6 | 1 | 33.3% | 6.50% |
| 24 | Rivers Edge Bank | – | 6 | 6 | 0.0% | — |
| 25 | AmeriSave Mortgage | D | 5 | 2 | 40.0% | 9.06% |
Best approval odds in Yankton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Dakota National Bank | 91 | 9.9% |
What Yankton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Yankton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 447 | 294 | 14.1% | 6.75% | $175,000 |
| 2024 | 502 | 341 | 14.1% | 6.63% | $195,000 |
| 2025 | 527 | 343 | 13.3% | 6.38% | $205,000 |
Frequently asked questions
13.3% of applications in Yankton County were denied in 2025, against 12.8% statewide in South Dakota.
First Dakota National Bank, with 103 applications in 2025 and a denial rate of 8.7%.
The median mortgage application in Yankton County in 2025 was for $205,000; the median property value on originated loans was $295,000.