What are the average closing costs in Lincoln County County?

In Lincoln County County, the median total loan costs on purchase mortgages were $5,568 in 2024, based on 881 originations.

Which lender has the lowest closing costs in Lincoln County County?

Among lenders with 10+ originations in Lincoln County County, Reliabank Dakota had the lowest median total closing costs at $2,555 in 2024.

How do closing costs in Lincoln County County compare to South Dakota?

Lincoln County County closing costs (median $5,568) are 2.2% above the South Dakota state median of $5,447.

Lowest closing cost mortgage lenders in Lincoln County County, South Dakota

In Lincoln County, South Dakota, homebuyers paid a median of $5,568 in closing costs in 2024 — above the South Dakota median of $5,447. The county saw 881 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, Reliabank Dakota offered the lowest median costs at $2,555, which is $2,183 less than the county median.

Homebuyers in Lincoln County County who chose Reliabank Dakota paid $3,013 less in closing costs than the county median.

County Median Costs

$5,568

+2.2% vs South Dakota ($5,447)

Median Rate

6.380%

−3.6% vs national (6.620%)

Median Origination

$2,655

Purchase Originations

881

vs South Dakota Median

2.2% above

$121

vs National Median

17.4% below

$-1,173

Lender rankings in Lincoln County County

16 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Reliabank Dakota	$2,555	6.188%	$1,120	12	−$2,183
2	First Dakota National Bank	$2,608	6.490%	$1,031	37	−$2,130
3	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$3,154	6.875%	$1,590	25	−$1,584
4	First PREMIER Bank	$3,641	6.500%	$1,095	37	−$1,097
5	American Bank & Trust	$3,665	6.250%	$1,850	17	−$1,073
6	U.S. Bank National Association	$3,672	6.625%	$2,169	15	−$1,066
7	Wells Fargo Bank, National Association	$3,751	6.500%	$1,784	11	−$987
8	First International Bank & Trust	$3,810	6.625%	$2,070	33	−$928
9	Levo Federal Credit Union	$4,557	6.375%	$2,782	17	−$181
10	CORTRUST MORTGAGE, INC.	$4,661	6.125%	$2,650	17	−$77
11	Central Bank	$5,110	6.125%	$3,184	24	+$372
12	BLACK HILLS FEDERAL CREDIT UNION	$5,321	6.490%	$3,535	17	+$583
13	First National Bank of Omaha	$5,369	6.375%	$3,612	27	+$631
14	FIRST BANK & TRUST	$5,456	6.500%	$3,499	67	+$718
15	Plains Commerce Bank	$5,618	6.500%	$3,984	164	+$880
16	CROSSCOUNTRY MORTGAGE, LLC	$6,607	7.058%	$4,703	12	+$1,869

Includes lenders with 10+ purchase originations in Lincoln County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in South Dakota → Lender Directory

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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).

Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.