County directory · South Dakota

CDFI lenders in Charles Mix County, SD

1 certified CDFI names Charles Mix County or a town in it as part of their service area on their own website. 2 more are headquartered here. 3 more say they serve all of South Dakota. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).

Name this county: 1
Based here: 2
Serve all of SD: 3

A lender naming Charles Mix County on its website is a good sign, not an offer. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Dante, Geddes, Lake Andes, Marty, Pickstown, Platte, Wagner.

Lenders compared for Charles Mix County

3 with local records

Lender	Local records	Loan sizes	Head office
1. Fort Randall Federal Credit Union Credit union, Wagner SD	website names Charles Mix County; headquarters here; 2 offices here	ask	12 mi
2. Commercial Holding Company Bank holding company, Wagner SD	headquarters here; 1 office here	ask	12 mi
3. Commercial State Bank of Wagner Bank or thrift, Wagner SD	headquarters here; 1 office here	ask	12 mi

1 of these 3 lenders have received CDFI Fund awards, together $4M in fiscal years 2022–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

3 lenders

3 head offices and 2 branches or offices of 3 lenders on this page, within 40 miles of the centre of Charles Mix County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Agriculture / farm loans (1 lender)
Auto / vehicle loans (1 lender)
Credit-builder loans (1 lender)
Equipment loans (1 lender)
Home repair / improvement loans (1 lender)
Home mortgages (1 lender)
Personal / consumer loans (1 lender)
Small-business loans (1 lender)

Banks and credit unions with a branch in this county

3 certified CDFIs have at least one office in Charles Mix County (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

Small business and SBA lending in Charles Mix County

Official statistics

Median household income in Charles Mix County is $64,038, 15% below the South Dakota figure of $75,081 (ACS 2020–2024).

Measure	Charles Mix County	South Dakota
Businesses with paid employees (CBP 2023)	299 (1.0% of the state)	29,106
…of which under 20 employees	94%	87%
Businesses without employees (Nonemployer Statistics 2023)	680	75,686
Median household income (ACS 2020–2024)	$64,038 (15% below the state)	$75,081

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

Lenders whose website names Charles Mix County or a town in it

Fort Randall Federal Credit UnionCredit union · Wagner, SDAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Equipment loans…Names Charles Mix County · Brule, Bon Homme, Charles Mix, Douglas, Gregory and Hutchinson counties, South DakotaVerified

Headquartered in Charles Mix County

The official list gives a headquarters address here. Check each lender's page for where it lends.

Commercial Holding CompanyBank holding company · Wagner, SDOfficial list only
Commercial State Bank of WagnerBank or thrift · Wagner, SDOfficial list only

Say they serve all of South Dakota

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

South Dakota SBDC ~ Yankton SBDCSmall Business Development Center · 1808 Summit Avenue, P. O. Box 687, Yankton, SD 57078605-665-0751 · about 59 miles from the centre of Charles Mix County

Housing counseling

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.