Homebuyers in Minnehaha County County who chose First Dakota National Bank paid $3,068 less in closing costs than the county median.
County Median Costs
$5,449
−3.3% vs South Dakota ($5,635)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$2,553
Purchase Originations
1,800
Denial Rate
6.3%
vs South Dakota avg (7.4%)
vs South Dakota Median
3.3% below
$-186
vs National Median
18.4% below
$-1,231
23 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,381 | 6.375% | $494 | 92 | −$2,189 | |
| 2 | $2,860 | 6.625% | $1,000 | 83 | −$1,710 | |
| 3 | $2,990 | 6.558% | $1,462 | 28 | −$1,580 | |
| 4 | $3,263 | 6.375% | $1,175 | 36 | −$1,307 | |
| 5 | $3,581 | 6.375% | $1,630 | 142 | −$989 | |
| 6 | $3,649 | 6.625% | $1,674 | 91 | −$921 | |
| 7 | $3,680 | 6.125% | $1,939 | 24 | −$890 | |
| 8 | $3,856 | 6.625% | $1,992 | 27 | −$714 | |
| 9 | $4,031 | 6.188% | $2,473 | 32 | −$539 | |
| 10 | $4,246 | 6.250% | $1,695 | 19 | −$324 | |
| 11 | $4,640 | 6.125% | $2,765 | 63 | +$70 | |
| 12 | $5,002 | 6.625% | $3,294 | 13 | +$432 | |
| 13 | $5,173 | 6.625% | $3,629 | 39 | +$603 | |
| 14 | $5,187 | 6.125% | $3,094 | 13 | +$617 | |
| 15 | $5,225 | 6.058% | $3,323 | 14 | +$655 | |
| 16 | $5,261 | 6.375% | $3,598 | 35 | +$691 | |
| 17 | $5,298 | 6.250% | $3,725 | 73 | +$728 | |
| 18 | $5,338 | 6.375% | $3,200 | 93 | +$768 | |
| 19 | $6,013 | 6.750% | $4,020 | 15 | +$1,443 | |
| 20 | $6,058 | 6.500% | $4,645 | 21 | +$1,488 | |
| 21 | $6,464 | 6.433% | $4,588 | 202 | +$1,894 |
Includes lenders with 10+ purchase originations in Minnehaha County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in South Dakota → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.