Lenders › United Wholesale Mortgage › South Dakota
United Wholesale Mortgage in South Dakota
HMDA record for properties in South Dakota, calendar year 2024. National record · South Dakota overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
United Wholesale Mortgage's 2024 HMDA record for South Dakota covers 413 applications, 334 of them originated, worth $110m.
Its denial rate in the state was 10.1%, below the South Dakota rate of 17.0% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its South Dakota originations was 0.1 percentage points (state median 0.2).
Applications in the state were up 30% on 2023.
Compared with the state and the lender's national record
| Measure | In South Dakota | South Dakota, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.1% | 17.0% | 13.4% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.7% | 13.0% | 5.8% | 15.6% |
| Average originated loan | $330k | $256k | $382k | $329k |
| Home purchase share | 69.8% | 60.0% | 67.0% | 57.0% |
| FHA-insured share | 22.8% | 13.0% | 20.3% | 13.4% |
| VA-guaranteed share | 34.7% | 9.5% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateSouth Dakota, all lenders
Loan purpose and loan type in South Dakota
By purpose
Home purchase 70% (233)Refinancing 16% (52)Cash-out refinancing 15% (49)
By type
Conventional 42% (140)FHA 23% (76)VA 35% (116)USDA 1% (2)
Denial reasons as coded
Share of 38 denials in South Dakota by first denial reason coded (outlined bar: all lenders in the state).
Counties in South Dakota
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Pennington County | 149 | 127 | $41m | 5.1% |
| Minnehaha County | 86 | 64 | $20m | 19.0% |
| Meade County | 51 | 42 | $16m | 10.6% |
| Lawrence County | 31 | 26 | $11m | 7.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in South Dakota in 2024?
334 loans totalling $110m, from 413 applications reported for properties in South Dakota.
What is United Wholesale Mortgage's denial rate in South Dakota?
10.1% of decided applications in South Dakota were denied, against 17.0% for all lenders in the state and 13.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which South Dakota counties does United Wholesale Mortgage lend in most?
By originations: Pennington County (127), Minnehaha County (64), Meade County (42), Lawrence County (26).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in South Dakota. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.