Applications / Mortgage Analytics / Lenders / South Dakota / Sentinel Federal Credit Union
Ellsworth Afb, SD · Credit union · NCUA · $197 million assets · 35 loans in 2025
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35
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sentinel Federal Credit Union is a small South Dakota lender, with 35 loans in 2025, most of them refinances.
It made 35 loans in 2025, against 33 in 2024 and 60 in 2023. Similar lenders, credit unions making between half and twice as many loans, made about as many loans as the year before. It filed no report from 2020 to 2022; those years are gaps in the record, not years without lending.
Refinances made up 65.7% of its loans and purchases the rest, and every loan was conventional. Its typical loan was $205,000, larger than at more than four in five similar lenders, where it was $95,000. With 35 loans, these shares can move a good deal from year to year.
All its lending is in South Dakota, in 6 counties. In Rapid City, where it has lent since 1991, it ranked 25 of 181 lenders with 0.8% of lending, a little more than in 2024. CMG Mortgage ranked first there. It merged with Rapid City Telco Federal Credit Union in 2015.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Sentinel Federal Credit Union took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.7% · Purchase 34.3%
Conventional 100.0% · of 35 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 | 35 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rapid City | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SQN9E467RQOF48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 727183 | 2010–2019 |
| Respondent ID (the HMDA filer code before 2018) | 510257 | 1991–2017 |
Established 1 January 1955. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Sentinel Federal Credit Union's data.
Sentinel Federal Credit Union's data
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Sentinel 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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