Home improvement loan lenders in Pennington County, South Dakota
Fat Boy Data analyzed home improvement loan activity in Pennington County, South Dakota, home to Rapid City, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 827 applications were decided by 39 lenders between 2023 and 2025.
Pennington County at a glance
How Pennington County compares
What the data shows
Black Hills Federal Credit Union made the most home improvement loans in Pennington County, SD, 396 of them.
That is 69% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Black Hills Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 81% of 531.
No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Home improvement loan lenders in Pennington County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Black Hills Federal Credit Union | 81% | 428 / 531 | 93% | $55K | 396 |
| 2 | First Interstate Bank | 61% | 41 / 67 | 98% | $65K | 40 |
| 3 | U.S. Bank National Association | 53% | 24 / 45 | 96% | $95K | 23 |
| 4 | Bankwest, Inc. | 71% | 17 / 24 | 100% | $45K | 17 |
| 5 | Discover BankLimited sample | 53% | 9 / 17 | 100% | $75K | 9 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 34 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Pennington County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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