Applications / Mortgage Analytics / Lenders / South Dakota / Voyage Federal Credit Union
Sioux Falls, SD · Credit union · NCUA · $273 million assets · 77 loans in 2025
Voyage Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
77
loans originated, 2025
120
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Voyage Federal Credit Union of Sioux Falls is a refinance lender: more than four in five of its 77 home loans in 2025 refinanced an existing mortgage.
Refinances made up 83.1% of its loans and home purchases 15.6%. Its typical loan was $75,000, smaller than the $95,000 at similar lenders, credit unions making between half and twice as many loans. Every loan was conventional, with no government backing, as at most of its peers. Small loans fit a book built on refinancing rather than on buying homes.
Its volume barely moves: 77 loans in 2025, 78 in 2024, and between 66 and 100 every year since 2018. That left it flat while similar credit unions grew 7% and the whole market 10%. A lender built on refinancing depends on borrowers' appetite to refinance more than on home sales, which may explain why it did not share in the market's growth.
Its largest market is Sioux Falls, where it has lent since 1991. It holds 0.4% of that market and ranks 43rd of 204, far behind Plains Commerce Bank, the leader. Borrowers with low or moderate incomes (LMI) took 28.6% of its loans, close to the 30.6% at the typical peer.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Voyage Federal Credit Union took 120 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 83.1% · Purchase 15.6% · Home improvement 1.3%
Conventional 100.0% · of 77 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 | 74 | 96.1% |
| Minnesota | 2 | 2.6% |
| Nebraska | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux Falls | 56 |
| Sioux City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MVYX1L50756117 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 667971 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53458 | 2012–2017 |
Established 1 January 1939. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Voyage Federal Credit Union's data.
Voyage Federal Credit Union's data
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Voyage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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