County directory · South Dakota
CDFI lenders in Oglala Lakota County, SD
3 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
- 0
- Based here
- 3
- Serve all of SD
- 3
None of the lender websites we read names Oglala Lakota County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Kyle, Manderson, Oglala, Pine Ridge, Porcupine, Wounded Knee.
Lenders compared for Oglala Lakota County
3 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Lakota Federal Credit Union Credit union, Kyle SD | headquarters here; 1 office here | ask | 19 mi |
| 2. Mazaska Owecaso Otipi Financial, Inc Loan fund, Pine Ridge SD | headquarters here | $500–$150,000 | 11 mi |
| 3. Lakota Fund, Inc., The Loan fund, Kyle SD | headquarters here | $500–$2M | 19 mi |
3 of these 3 lenders have received CDFI Fund awards, together $40.8M in fiscal years 1999–2024 (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 lenders3 head offices and 1 branch or office of 3 lenders on this page, within 30 miles of the centre of Oglala Lakota County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Agriculture / farm loans (1 lender)
- Microloans (1 lender)
- Small-business loans (1 lender)
- Credit-builder loans (1 lender)
- Home repair / improvement loans (1 lender)
- Home mortgages (1 lender)
- Personal / consumer loans (1 lender)
Banks and credit unions with a branch in this county
1 certified CDFI has at least one office in Oglala Lakota County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Lakota Federal Credit UnionCredit union · Kyle, SD · Native CDFI1 office in Oglala Lakota County · based hereOfficial list only
Small business and SBA lending in Oglala Lakota County
Official statisticsMedian household income in Oglala Lakota County is $41,417, 45% below the South Dakota figure of $75,081 (ACS 2020–2024).
| Measure | Oglala Lakota County | South Dakota |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 84 (0.3% of the state) | 29,106 |
| …of which under 20 employees | 80% | 87% |
| Businesses without employees (Nonemployer Statistics 2023) | 455 | 75,686 |
| Median household income (ACS 2020–2024) | $41,417 (45% 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.
CDFI lending recorded here (FY2021)
CDFI Fund data, released Dec 2024117 loans and investments totaling $6.1M (median $7,156) were reported to the CDFI Fund for borrowers and projects in Oglala Lakota County in fiscal year 2021. More than half of these records come from a single reporting CDFI.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Consumer | 53 | $108,310 | $1,000 |
| Non-real estate business | 50 | $4.6M | $25,316 |
| Home purchase | 13 | $1.4M | $121,747 |
Of 67 individual borrowers whose income was reported, 75% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 181 consumer loans in Oglala Lakota County totaling $1.8M (Consumer Loan Report, tract totals, so no median); they counted 98% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 16 · FY2019 79 · FY2020 58.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2021 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Headquartered in Oglala Lakota County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Lakota Fund, Inc., TheLoan fund · Kyle, SD · Native CDFIAgriculture / farm loans, Microloans, Small-business loansVerified
- Mazaska Owecaso Otipi Financial, IncLoan fund · Pine Ridge, SD · Native CDFICredit-builder loans, Home repair / improvement loans, Home mortgages, Personal / consumer loansVerified
- Lakota Federal Credit UnionCredit union · Kyle, SD · Native CDFIOfficial list only
Say they serve all of South Dakota
- Dakota Business LendingLoan fund · Fargo, NDSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Grow South DakotaLoan fund · Sisseton, SDHome mortgages, Small-business loansVerified
- Midwest Minnesota Community Development CorporationLoan fund · Detroit Lakes, MNHome repair / improvement loans, Home mortgages, Small-business loansVerified
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
Housing counseling
- Lakota FundsHUD-approved housing counselor · 4241 Bia 2, Kyle, SD 57752605-455-2500
- Mazaska Owecaso Otipi FinancialHUD-approved housing counselor · 108 Oglala St, Pine Ridge, SD 57770605-867-1018
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.
Other South Dakota counties
Source: CDFI Atlas, cdfiatlas.com/states/sd/counties/oglala-lakota-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).