South Dakota · HMDA 2025
Mortgage lenders in Lawrence County, SD
133 lenders reported 1,227 home-loan applications in Lawrence County in 2025. 678 closed as loans ($219.5M), 140 were denied — a 16.5% denial rate on decided applications, close to the South Dakota rate of 15.7%. The three most active lenders handled 26% of applications, led by BLACK HILLS FEDERAL CREDIT UNION. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,227
- Loans originated
- 678
- Purchase / refinance
- 362 / 209
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lawrence County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 121 | 9.9% | 27.1% |
| 2 | First Interstate Bank 62 out of 100, Moderate | 106 | 8.6% | 29.4% |
| 3 | CMG MORTGAGE, INC. | 97 | 7.9% | — |
| 4 | Pioneer Bank & Trust 81 out of 100, Strong | 72 | 5.9% | 10.1% |
| 5 | Rocket Mortgage, LLC | 53 | 4.3% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 50 | 4.1% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 49 | 4.0% | — |
| 8 | Black Hills Community Bank, N.A. | 44 | 3.6% | — |
| 9 | BANKWEST, INC. 38 out of 100, Low | 39 | 3.2% | 48.6% |
| 10 | NATIONSTAR MORTGAGE LLC | 33 | 2.7% | — |
| 11 | NEWREZ LLC | 32 | 2.6% | — |
| 12 | Gateway First Bank 54 out of 100, Below average | 32 | 2.6% | 5.3% |
| 13 | Granite Bank 53 out of 100, Below average | 27 | 2.2% | 6.2% |
| 14 | Mortgage Research Center, LLC | 20 | 1.6% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 20 | 1.6% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 1.5% | 14.1% |
| 17 | U.S. Bank National Association 55 out of 100, Moderate | 19 | 1.5% | 39.5% |
| 18 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 18 | 1.5% | — |
| 19 | Plains Commerce Bank 59 out of 100, Moderate | 17 | 1.4% | 10.0% |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 1.2% | 32.9% |
| 21 | Loandepot.Com, LLC | 13 | 1.1% | — |
| 22 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 12 | 1.0% | 22.2% |
| 23 | First National Bank 84 out of 100, Strong | 12 | 1.0% | 8.4% |
| 24 | Broker Solutions, Inc. | 11 | 0.9% | — |
| 25 | Coastal Community Bank 35 out of 100, Low | 10 | 0.8% | 3.0% |
| 26 | Security First Bank 65 out of 100, Moderate | 9 | 0.7% | 3.1% |
| 27 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | 0.7% | — |
| 28 | PHH Mortgage Corporation | 9 | 0.7% | — |
| 29 | NORTHERN HILLS FEDERAL CREDIT UNION 66 out of 100, Moderate | 8 | 0.7% | 17.9% |
| 30 | USAA Federal Savings Bank 64 out of 100, Moderate | 8 | 0.7% | 37.2% |
| 31 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 0.6% | 32.5% |
| 32 | AmeriSave Mortgage Corporation | 7 | 0.6% | — |
| 33 | American Bank & Trust 72 out of 100, Strong | 7 | 0.6% | 16.0% |
| 34 | BETTER MORTGAGE CORPORATION | 7 | 0.6% | — |
| 35 | PLANET HOME LENDING, LLC | 6 | 0.5% | — |
| 36 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.5% | — |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 6 | 0.5% | — |
| 38 | First Dakota National Bank 72 out of 100, Strong | 6 | 0.5% | 4.8% |
| 39 | Aspen | 6 | 0.5% | — |
| 40 | Discover Bank | 5 | 0.4% | — |
Top 40 of 133 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
- 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
- Butte County 430 apps