Home purchase lenders in Lincoln County
1,143 home purchase mortgages were made in Lincoln County, South Dakota, in 2025, by 116 lenders. The median rate their borrowers got was 6.325% on a median loan of $305,000. Of 1,214 decisions, 67 were denials — 5.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Plains Commerce Bank | 236 | 6.250% | $295,000 | 0.8% |
| First PREMIER Bank | 103 | 6.250% | $305,000 | 4.6% |
| First International Bank & Trust | 97 | 6.250% | $315,000 | 2.0% |
| First Bank & Trust | 77 | 6.250% | $275,000 | 10.5% |
| Fairway Independent Mortgage Corporation | 59 | 6.250% | $305,000 | 4.8% |
| First Dakota National Bank | 55 | 6.375% | $365,000 | 0.0% |
| Central Bank | 48 | 6.125% | $315,000 | 0.0% |
| Levo Federal Credit Union | 47 | 6.000% | $295,000 | 0.0% |
| American Bank & Trust | 33 | 6.490% | $255,000 | 2.9% |
| CORTRUST MORTGAGE, INC. | 24 | 6.438% | $290,000 | 4.0% |
| CU MORTGAGE DIRECT, LLC | 22 | 6.188% | $240,000 | 4.4% |
| Reliabank Dakota | 17 | 6.625% | $255,000 | 10.5% |
| The First National Bank in Sioux Falls | 17 | Not published | $315,000 | 0.0% |
| Mortgage Research Center, LLC | 16 | 6.250% | $340,000 | 5.9% |
| SERVICE FIRST FEDERAL CREDIT UNION | 16 | Not published | $330,000 | 5.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | 6.750% | $300,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 6.375% | $305,000 | 6.3% |
| U.S. Bank National Association | 13 | 6.750% | $275,000 | 18.8% |
| GUARANTEED RATE, INC. | 13 | 6.500% | $355,000 | 0.0% |
| Wells Fargo Bank, National Association | 12 | 6.500% | $300,000 | 14.3% |
| IOWA BANKERS MORTGAGE CORPORATION | 11 | 6.500% | $275,000 | 21.4% |
| BANKWEST, INC. | 10 | 8.125% | $85,000 | 41.2% |
| Dacotah Bank | 10 | 6.813% | $295,000 | 9.1% |
| BLACK HILLS FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Security National Bank of South Dakota | 7 | Under 10 loans | Under 10 loans | 0.0% |
| American State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| WEST GATE BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Security Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Quoin Financial Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CorTrust Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank Southwest | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIOUXLAND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Midwest | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 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 | 80.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| 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% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Rivers Edge Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 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% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 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% |
| Broker Solutions, Inc. | 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% |
| Sunrise Banks, 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% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLUESTONE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VOYAGE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 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% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| 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 |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 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 |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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.
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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. 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.