South Dakota · HMDA 2025
Mortgage lenders in Lake County, SD
69 lenders reported 419 home-loan applications in Lake County in 2025. 262 closed as loans ($67.1M), 49 were denied — a 15.6% denial rate on decided applications, close to the South Dakota rate of 15.7%. The three most active lenders handled 35% of applications, led by First PREMIER Bank. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 419
- Loans originated
- 262
- Purchase / refinance
- 132 / 82
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lake County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First PREMIER Bank 85 out of 100, Very strong | 61 | 14.6% | 18.8% |
| 2 | First Bank & Trust 70 out of 100, Strong | 45 | 10.7% | 14.9% |
| 3 | Plains Commerce Bank 59 out of 100, Moderate | 39 | 9.3% | 10.0% |
| 4 | CU MORTGAGE DIRECT, LLC | 26 | 6.2% | — |
| 5 | BANKWEST, INC. 38 out of 100, Low | 22 | 5.3% | 48.6% |
| 6 | Rocket Mortgage, LLC | 16 | 3.8% | — |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 15 | 3.6% | 32.5% |
| 8 | First Interstate Bank 62 out of 100, Moderate | 13 | 3.1% | 29.4% |
| 9 | Mortgage Research Center, LLC | 9 | 2.1% | — |
| 10 | FIGURE LENDING LLC | 9 | 2.1% | — |
| 11 | NEWREZ LLC | 8 | 1.9% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 1.9% | 14.1% |
| 13 | Levo Federal Credit Union 64 out of 100, Moderate | 8 | 1.9% | 7.8% |
| 14 | PENNYMAC LOAN SERVICES, LLC | 7 | 1.7% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 7 | 1.7% | — |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 1.4% | 39.5% |
| 17 | First International Bank & Trust 52 out of 100, Below average | 6 | 1.4% | 5.8% |
| 18 | Quoin Financial Bank | 6 | 1.4% | — |
| 19 | The First National Bank in Sioux Falls 67 out of 100, Moderate | 5 | 1.2% | 2.1% |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 4 | 1.0% | 22.2% |
| 21 | Fairway Independent Mortgage Corporation | 4 | 1.0% | — |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 1.0% | — |
| 23 | PLANET HOME LENDING, LLC | 4 | 1.0% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 4 | 1.0% | — |
| 25 | BLUESTONE FEDERAL CREDIT UNION 68 out of 100, Moderate | 4 | 1.0% | 5.6% |
| 26 | Central Bank 65 out of 100, Moderate | 4 | 1.0% | 5.5% |
| 27 | 21st Mortgage Corporation | 3 | 0.7% | — |
| 28 | Broker Solutions, Inc. | 3 | 0.7% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.7% | — |
| 30 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 3 | 0.7% | 45.9% |
| 31 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.7% | — |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.7% | — |
| 33 | NEW DAY FINANCIAL, LLC | 3 | 0.7% | — |
| 34 | American Bank & Trust 72 out of 100, Strong | 3 | 0.7% | 16.0% |
| 35 | Truist Bank 63 out of 100, Moderate | 2 | 0.5% | 40.8% |
| 36 | Loandepot.Com, LLC | 2 | 0.5% | — |
| 37 | UNITED SHORE FINANCIAL SERVICES, LLC | 2 | 0.5% | — |
| 38 | GUARANTEED RATE, INC. | 2 | 0.5% | — |
| 39 | First Savings Bank 83 out of 100, Strong | 2 | 0.5% | 16.1% |
| 40 | The Security National Bank of Sioux City, Iowa 81 out of 100, Strong | 2 | 0.5% | 15.7% |
Top 40 of 69 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in South Dakota
- Minnehaha County 7,814 apps
- Pennington County 4,670 apps
- Lincoln County 3,235 apps
- Meade County 1,290 apps
- Lawrence County 1,227 apps
- Codington County 939 apps
- Brookings County 864 apps
- Brown County 789 apps
- Yankton County 613 apps
- Union County 573 apps
- Hughes County 570 apps
- Davison County 554 apps