Applications / Mortgage Analytics / Lenders / South Dakota / Security National Bank of South Dakota
Dakota Dunes, SD · National bank · OCC · $238 million assets · 54 loans in 2025
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54
loans originated, 2025
107
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security National Bank of South Dakota makes large loans for a bank its size, and in 2025 it made many more of them, gaining ground in Sioux Falls.
Its typical loan was $300,000, against $185,000 at similar lenders, national banks making between half and twice as many loans. Jumbo loans, larger than the conforming limit, made up 20.0% of its lending, against 3.2% at similar lenders. Other purposes, outside purchase, refinance and home improvement, made up 14.8%. Its lending in dollars tripled while its count rose far less, so a few very large loans weigh heavily in its figures.
It made 54 loans, 69% more than the 32 of 2024, while similar lenders grew 2% and the whole market 10%. That returns it to the level of 2018 to 2022, when it made 50 to 58 a year. It filed no report for 2020, a gap in the record.
Sioux Falls is its largest market, where it ranks 12 of 204 lenders and its share rose to 2.0% from 0.7%. Plains Commerce Bank leads. A handful of large loans may account for much of the rise.
Only 12.5% of its borrowers had low or moderate incomes, lower than at about three-quarters of similar lenders. Its focus on large loans may explain that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Security National Bank of South Dakota took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.9% · Refinance 27.8% · Other 14.8% · Home improvement 5.6%
Conventional 100.0% · of 54 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 | 47 | 87.0% |
| Iowa | 7 | 13.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux Falls | 37 |
| Sioux City | 10 |
| Des Moines-West Des Moines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RK7Q0WLYYRNC19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2529176 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123226 | 2008–2017 |
Established 1 May 1997. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Security National Bank of South Dakota's data.
Security National Bank of South Dakota's data
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Security National Bank of South 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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