Mortgage lenders in Lincoln County
2,011 mortgages were made in Lincoln County, South Dakota, in 2025, by 152 lenders. The median rate their borrowers got was 6.500% on a median loan of $265,000. Of 2,300 decisions, 252 were denials — 11.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Plains Commerce Bank | 288 | 6.250% | $295,000 | 2.7% |
| First PREMIER Bank | 183 | 6.750% | $265,000 | 7.4% |
| First International Bank & Trust | 148 | 6.500% | $305,000 | 5.7% |
| Levo Federal Credit Union | 148 | 7.250% | $155,000 | 5.1% |
| First Bank & Trust | 143 | 6.625% | $165,000 | 12.8% |
| First Dakota National Bank | 84 | 6.500% | $410,000 | 2.3% |
| Central Bank | 77 | 6.500% | $285,000 | 7.2% |
| Fairway Independent Mortgage Corporation | 74 | 6.250% | $315,000 | 3.9% |
| U.S. Bank National Association | 54 | 8.450% | $155,000 | 26.7% |
| Rocket Mortgage, LLC | 53 | 6.490% | $215,000 | 15.4% |
| American Bank & Trust | 51 | 6.500% | $235,000 | 7.3% |
| CorTrust Bank National Association | 30 | Not published | $115,000 | 6.1% |
| CU MORTGAGE DIRECT, LLC | 28 | 6.313% | $245,000 | 12.5% |
| The First National Bank in Sioux Falls | 28 | Not published | $310,000 | 6.7% |
| CORTRUST MORTGAGE, INC. | 27 | 6.375% | $275,000 | 6.9% |
| SERVICE FIRST FEDERAL CREDIT UNION | 27 | Not published | $305,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 6.299% | $345,000 | 21.9% |
| BLACK HILLS FEDERAL CREDIT UNION | 25 | 8.000% | $155,000 | 18.8% |
| Reliabank Dakota | 23 | 6.750% | $255,000 | 8.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.750% | $285,000 | 4.0% |
| Mortgage Research Center, LLC | 20 | 6.250% | $330,000 | 23.1% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.188% | $360,000 | 4.0% |
| GUARANTEED RATE, INC. | 19 | 6.500% | $325,000 | 22.2% |
| First Interstate Bank | 19 | 8.125% | $105,000 | 20.0% |
| NEWREZ LLC | 18 | 6.188% | $335,000 | 28.0% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.875% | $315,000 | 20.0% |
| Wells Fargo Bank, National Association | 16 | 6.500% | $225,000 | 11.1% |
| Citizens Bank, National Association | 15 | 6.375% | $275,000 | 6.3% |
| BLUESTONE FEDERAL CREDIT UNION | 15 | Not published | $95,000 | 0.0% |
| Security National Bank of South Dakota | 14 | Not published | $565,000 | 6.7% |
| Dacotah Bank | 14 | 6.875% | $265,000 | 6.7% |
| Navy Federal Credit Union | 11 | 7.650% | $105,000 | 26.7% |
| American State Bank | 11 | Not published | $235,000 | 8.3% |
| IOWA BANKERS MORTGAGE CORPORATION | 11 | 6.500% | $275,000 | 21.4% |
| BANKWEST, INC. | 10 | 8.125% | $85,000 | 41.2% |
| NATIONSTAR MORTGAGE LLC | 10 | 9.000% | $110,000 | 28.6% |
| Quoin Financial Bank | 10 | Not published | $360,000 | 0.0% |
| VOYAGE FEDERAL CREDIT UNION | 10 | Not published | $75,000 | 9.1% |
| Premier Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Security Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Cornerstone Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 58.3% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank Southwest | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Heritage Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Sunrise Banks, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Rivers Edge Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 77.8% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIOUXLAND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Midwest | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KODABANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primebank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTER WEST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Whittier, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAILWAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUR POINTS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Security National Bank of Sioux City, Iowa | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Frandsen Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Lincoln County
38 FDIC-insured branches from 26 banks, as of 30 June 2026, with the deposits held at them.
Get told when this changes
When the next year’s lending figures are out for Lincoln County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.