Bennett County
South Dakota · FIPS 46007
According to CFPB HMDA 2024 application volume among U.S. counties, Bennett County ranks #3,116 of 3,223, and #51 of 65 in South Dakota.
Mortgage lending activity in Bennett 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. Bennett County, South Dakota lenders denied 9 of the applications reported here, financing the rest at an average note rate of 5.99%, with applicants self-reporting average annual income of $35K. 6 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 Bennett County
In Bennett County, lead originator Security First Bank funded 36.4% of 11 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 72.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Bennett County's 30 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Bennett County's $130,667 average loan (deduped against volume peers).
Lenders active in Bennett County
Security First Bank funded 4 of the 11 loans originated in Bennett County, 36.4% of the county. 6 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Security First Bank | 4 | 36.4% |
| 2 | Granite Bank | 2 | 18.2% |
| 3 | Black Hills Federal Credit Union | 2 | 18.2% |
| 4 | Click n' Close, Inc. | 1 | 9.1% |
| 5 | BMO Harris Bank NA | 1 | 9.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Bennett 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 Bennett 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.