Applications / Mortgage Analytics / Lenders / South Dakota / Bluestone Federal Credit Union
Sioux Falls, SD · Credit union · NCUA · $204 million assets · 51 loans in 2025
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51
loans originated, 2025
62
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bluestone Federal Credit Union, in Sioux Falls, rarely finances home purchases: most of its 51 loans in 2025 paid for home improvements and other purposes.
Home improvement made up 43.1% of its loans and purchases only 9.8%. Its typical loan was $65,000, lower than about four in five similar lenders (credit unions making between half and twice as many loans). Theirs was $95,000. That mix of purposes may explain its small loans.
It made 51 loans, down from 60 in 2024, while similar lenders grew by 6%. Apart from 20 in 2020 and 139 in 2022, its count has stayed between 51 and 64 since 2018. It filed no report for 2021, a gap in the record rather than a year without lending.
In Sioux Falls, where it has reported since 1993, its share fell to 0.2% from 0.3%, ranking it 56 of 204 lenders. Purchase loans carry most of a market's dollars, and it makes few of them. With fewer loans overall this year, a handful of loans can move its share.
Low- and moderate-income neighborhoods took 7.8% of its loans, down from 16.7% in 2024 and against 17.6% at similar lenders. None went to neighborhoods where most residents belong to minority groups. Its lending is concentrated in eight counties in two states, which may account for this. On 51 loans, a few loans move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bluestone Federal Credit Union took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.1% · Other 33.3% · Refinance 13.7% · Purchase 9.8%
Conventional 100.0% · of 51 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 | 50 | 98.0% |
| Iowa | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux Falls | 43 |
| Sioux City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MM52W3C4U18L74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 871479 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52874 | 1993–2017 |
Established 1 January 1938. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Bluestone Federal Credit Union's data.
Bluestone Federal Credit Union's data
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Bluestone Federal Credit Union 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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