Mortgage lending in Lake County, South Dakota
Lenders in Lake County, South Dakota reported 370 mortgage applications for 2025, according to the CFPB.
370 mortgage applications and 262 loans originated in 2025; the denial rate was 15.6% of 315 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lake County, SD.
- 370
- Applications
- 262
- Loans originated
- 15.6%
- Denial rate
- 49 denied of 315 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 370 | 262 |
| 2024 | 306 | 210 |
| 2023 | 320 | 229 |
| 2022 | 429 | 309 |
| 2021 | 622 | 454 |
| 2020 | 745 | 555 |
| 2019 | 376 | 278 |
| 2018 | 348 | 266 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Premier Bank | 48 | 61 |
| First Bank & Trust | 35 | 45 |
| Plains Commerce Bank | 28 | 39 |
| Cu Mortgage Direct, LLC | 21 | 26 |
| Bankwest, Inc. | 18 | 22 |
| Rocket Mortgage | 12 | 16 |
| Quoin Financial Bank | 6 | 6 |
| First Interstate Bank | 6 | 13 |
| First International Bank & Trust | 5 | 6 |
| Mortgage Research Center | 5 | 9 |
| Fairway Independent Mort Corp | 4 | 4 |
| Levo Federal Credit Union | 4 | 8 |
| The First National Bank in Sioux Falls | 4 | 5 |
| Newrez LLC | 3 | 4 |
| Freedom Mortgage Corporation | 3 | 5 |
| Bluestone Federal Credit Union | 3 | 4 |
| Central Bank | 3 | 4 |
| Citizens Bank, NA | 3 | 4 |
| Wells Fargo Bank NA | 3 | 4 |
| Cortrust Mortgage, Inc. | 2 | 2 |
| First Savings Bank | 2 | 2 |
| The Security National Bank of Sioux City, Iowa | 2 | 2 |
| loanDepot.com LLC | 2 | 2 |
| Reliabank Dakota | 2 | 2 |
| American Bank & Trust | 2 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| White | 306 | 14.4% of 264 decided |
| Joint | under 10 | |
| Race Not Available | 54 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 312 | 16.0% of 268 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 51 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 107 | 20.4% of 93 decided |
| Female | 53 | no rate: base under 50 |
| Joint | 173 | 11.4% of 149 decided |
| Sex Not Available | 37 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1188 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved