Mortgage lending in Pennington County
2,661 mortgages were originated in Pennington County, South Dakota, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,661
- Median rate
- 6.499%
- Median lender fees
- $6,338
- Median loan amount
- $285,000
- Median spread over APOR
- 0.145
- Paid discount points
- 40.1%
- Received lender credits
- 23.9%
- Purchases / refinances
- 60.4% / 28.1%
- Conventional / FHA / VA
- 62.3% / 15.5% / 20.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 70.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Pennington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CMG MORTGAGE, INC. | 430 | $7,495 | 6.375% |
| BLACK HILLS FEDERAL CREDIT UNION | 315 | $6,310 | 7.750% |
| Granite Bank | 144 | $7,627 | 6.125% |
| Rocket Mortgage, LLC | 140 | $5,778 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 139 | $6,527 | 6.125% |
| Plains Commerce Bank | 134 | $7,317 | 6.125% |
| Mortgage Research Center, LLC | 90 | $6,069 | 6.250% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 85 | $7,244 | 6.250% |
| U.S. Bank National Association | 66 | — | 7.525% |
| BANKWEST, INC. | 65 | — | 8.125% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Pennington County — not a rule of thumb.
From 1,875 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers