Aurora County
South Dakota · FIPS 46003
According to CFPB HMDA 2024 application volume among U.S. counties, Aurora County ranks #3,057 of 3,223, and #43 of 65 in South Dakota.
Mortgage lending activity in Aurora County, South Dakota based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Aurora County, South Dakota lenders denied 8 of the applications reported here, financing the rest at an average note rate of 6.57%, with applicants self-reporting average annual income of $36K. 14 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Aurora County
In Aurora County, lead originator Plains Commerce Bank funded 29.0% of 31 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 48.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Aurora County's 46 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Aurora County's $217,609 average loan (deduped against volume peers).
Lenders active in Aurora County
Plains Commerce Bank funded 9 of the 31 loans originated in Aurora County, 29.0% of the county. 14 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Plains Commerce Bank | 9 | 29.0% |
| 2 | Farm Credit Mid-America, Aca | 3 | 9.7% |
| 3 | American Bank & Trust | 3 | 9.7% |
| 4 | Bankwest, INC. | 3 | 9.7% |
| 5 | Cortrust Mortgage, INC. | 3 | 9.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Aurora County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Aurora County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.