South Dakota · HMDA 2025
Mortgage lenders in Lincoln County, SD
152 lenders reported 3,235 home-loan applications in Lincoln County in 2025. 2,011 closed as loans ($702.8M), 252 were denied — a 11.0% denial rate on decided applications, below the South Dakota rate of 15.7%. The three most active lenders handled 26% of applications, led by Plains Commerce Bank. 25 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,235
- Loans originated
- 2,011
- Purchase / refinance
- 1,143 / 582
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Plains Commerce Bank 59 out of 100, Moderate | 396 | 12.2% | 10.0% |
| 2 | First PREMIER Bank 85 out of 100, Very strong | 251 | 7.8% | 18.8% |
| 3 | First Bank & Trust 70 out of 100, Strong | 191 | 5.9% | 14.9% |
| 4 | First International Bank & Trust 52 out of 100, Below average | 177 | 5.5% | 5.8% |
| 5 | Levo Federal Credit Union 64 out of 100, Moderate | 169 | 5.2% | 7.8% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 115 | 3.6% | — |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 109 | 3.4% | 32.5% |
| 8 | Central Bank 65 out of 100, Moderate | 99 | 3.1% | 5.5% |
| 9 | First Dakota National Bank 72 out of 100, Strong | 98 | 3.0% | 4.8% |
| 10 | Fairway Independent Mortgage Corporation | 92 | 2.8% | — |
| 11 | NEWREZ LLC | 85 | 2.6% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 85 | 2.6% | 39.5% |
| 13 | Rocket Mortgage, LLC | 70 | 2.2% | — |
| 14 | American Bank & Trust 72 out of 100, Strong | 63 | 1.9% | 16.0% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 56 | 1.7% | 14.1% |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 50 | 1.5% | — |
| 17 | Mortgage Research Center, LLC | 43 | 1.3% | — |
| 18 | CU MORTGAGE DIRECT, LLC | 39 | 1.2% | — |
| 19 | CORTRUST MORTGAGE, INC. | 38 | 1.2% | — |
| 20 | UNITED SHORE FINANCIAL SERVICES, LLC | 37 | 1.1% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 37 | 1.1% | — |
| 22 | SERVICE FIRST FEDERAL CREDIT UNION 65 out of 100, Moderate | 37 | 1.1% | 7.4% |
| 23 | NATIONSTAR MORTGAGE LLC | 35 | 1.1% | — |
| 24 | GUARANTEED RATE, INC. | 34 | 1.1% | — |
| 25 | CorTrust Bank National Association 62 out of 100, Moderate | 34 | 1.1% | 8.4% |
| 26 | Reliabank Dakota 71 out of 100, Strong | 34 | 1.1% | 7.4% |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 33 | 1.0% | — |
| 28 | BLACK HILLS FEDERAL CREDIT UNION 63 out of 100, Moderate | 33 | 1.0% | 27.1% |
| 29 | The First National Bank in Sioux Falls 67 out of 100, Moderate | 33 | 1.0% | 2.1% |
| 30 | First Interstate Bank 62 out of 100, Moderate | 26 | 0.8% | 29.4% |
| 31 | PLANET HOME LENDING, LLC | 25 | 0.8% | — |
| 32 | BANKWEST, INC. 38 out of 100, Low | 25 | 0.8% | 48.6% |
| 33 | WEST GATE BANK 72 out of 100, Strong | 24 | 0.7% | 4.8% |
| 34 | Security National Bank of South Dakota 93 out of 100, Very strong | 24 | 0.7% | 25.0% |
| 35 | FIGURE LENDING LLC | 21 | 0.6% | — |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 20 | 0.6% | 32.9% |
| 37 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 20 | 0.6% | 22.2% |
| 38 | Coastal Community Bank 35 out of 100, Low | 18 | 0.6% | 3.0% |
| 39 | Dacotah Bank 55 out of 100, Moderate | 17 | 0.5% | 6.4% |
| 40 | BLUESTONE FEDERAL CREDIT UNION 68 out of 100, Moderate | 16 | 0.5% | 5.6% |
Top 40 of 152 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
- 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
- Butte County 430 apps