Applications / Mortgage Analytics / Lenders / South Dakota / Reliabank Dakota
Estelline, SD · State non-member bank · FDIC · $772 million assets · 163 loans in 2025
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163
loans originated, 2025
216
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Reliabank Dakota, a South Dakota home-purchase lender, makes far more government-backed loans than banks like it and ranks 15 of 204 in Sioux Falls.
FHA loans (insured by the Federal Housing Administration) were 12.3% of its loans and VA loans (guaranteed by the Department of Veterans Affairs) 4.3%. At the typical similar lender (state non-member banks making between half and twice as many loans) both were 0.0%. Purchases were 73.6% of its loans.
Its typical loan was $255,000, against $175,000 at similar lenders, larger than at about four in five of them. Its typical rate, 6.75%, was below their 6.88%, lower than at about three in four.
In Sioux Falls, where it has lent since 2008, it ranked 15 of 204 lenders with 1.7% of the market, up 0.1 points. Plains Commerce Bank led there.
Its loans fell 11% to 163 in 2025, while similar lenders grew 10%. It made 715 in 2020. Yet the amount it lent rose, from $45.6 million to $53.7 million, as its typical loan grew. The figures do not show why the count has fallen.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Reliabank Dakota took 216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.6% · Refinance 23.9% · Home improvement 1.2% · Other 1.2%
Conventional 83.4% · FHA 12.3% · VA 4.3% · of 163 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Dakota | 145 | 89.0% |
| Iowa | 9 | 5.5% |
| Minnesota | 9 | 5.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux Falls | 99 |
| Ames | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Omaha | 1 |
| Rapid City | 1 |
| Sioux City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KCR7QWQQCWBG94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 108951 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316221 | 2008–2017 |
Established 1 September 1920. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Reliabank Dakota's data.
Reliabank Dakota's data
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Reliabank Dakota and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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