Mortgage lending in Lincoln County, South Dakota
Lenders in Lincoln County, South Dakota reported 2,796 mortgage applications for 2025, according to the CFPB.
2,796 mortgage applications and 2,011 loans originated in 2025; the denial rate was 11.0% of 2,300 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Sioux Falls, SD HUD Metro FMR Area.
- 2,796
- Applications
- 2,011
- Loans originated
- 11.0%
- Denial rate
- 252 denied of 2,300 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,796 | 2,011 |
| 2024 | 2,730 | 1,889 |
| 2023 | 2,539 | 1,778 |
| 2022 | 3,376 | 2,490 |
| 2021 | 5,293 | 3,936 |
| 2020 | 7,411 | 5,712 |
| 2019 | 3,875 | 2,843 |
| 2018 | 2,877 | 2,131 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Plains Commerce Bank | 288 | 396 |
| First Premier Bank | 183 | 251 |
| First International Bank & Trust | 148 | 177 |
| Levo Federal Credit Union | 148 | 169 |
| First Bank & Trust | 143 | 191 |
| First Dakota National Bak | 84 | 98 |
| Central Bank | 77 | 99 |
| Fairway Independent Mort Corp | 74 | 92 |
| US Bank, N.A. | 54 | 82 |
| Rocket Mortgage | 53 | 70 |
| American Bank & Trust | 51 | 63 |
| Cortrust Bank | 30 | 34 |
| Cu Mortgage Direct, LLC | 28 | 39 |
| The First National Bank in Sioux Falls | 28 | 33 |
| Cortrust Mortgage, Inc. | 27 | 38 |
| Service First Federal Credit Union | 27 | 37 |
| United Wholesale Mortgage | 25 | 37 |
| Black Hills Federal Credit Union | 25 | 33 |
| Reliabank Dakota | 23 | 34 |
| Crosscountry Mortgage, LLC | 23 | 33 |
| Mortgage Research Center | 20 | 43 |
| Freedom Mortgage Corporation | 20 | 34 |
| First Interstate Bank | 19 | 26 |
| Guaranteed Rate, Inc. | 19 | 34 |
| Newrez LLC | 18 | 33 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 33 | no rate: base under 50 |
| Black or African American | 44 | no rate: base under 50 |
| White | 2,304 | 10.7% of 1,903 decided |
| 2 or more minority races | under 10 | |
| Joint | 60 | no rate: base under 50 |
| Race Not Available | 343 | 12.1% of 282 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 54 | no rate: base under 50 |
| Not Hispanic or Latino | 2,371 | 10.1% of 1,963 decided |
| Joint | 41 | no rate: base under 50 |
| Ethnicity Not Available | 330 | 14.1% of 262 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 724 | 13.8% of 589 decided |
| Female | 461 | 12.8% of 374 decided |
| Joint | 1,419 | 8.9% of 1,182 decided |
| Sex Not Available | 192 | 11.6% of 155 decided |
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. 495 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