Brule County
South Dakota · FIPS 46015
According to CFPB HMDA 2024 application volume among U.S. counties, Brule County ranks #2,982 of 3,210, and #39 of 65 in South Dakota.
Mortgage lending activity in Brule 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. Brule County, South Dakota saw 62 HMDA-reported mortgage applications in 2024. Lenders originated 35 of those loans and denied 9, producing a denial rate of 14.5% and an approval (origination) rate of 56.5%. The average loan amount was $175,484 at an average note rate of 6.92%, with applicants self-reporting average annual income of $36K. 15 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 Brule County
In Brule County, lead originator First Dakota National Bak funded 17.1% of 35 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 48.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Brule County's 62 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Brule County's $175,484 average loan (deduped against volume peers).
Lenders active in Brule County
First Dakota National Bak funded 6 of the 35 loans originated in Brule County, 17.1% of the county. 15 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Dakota National Bak | 6 | 17.1% |
| 2 | Rocket Mortgage | 6 | 17.1% |
| 3 | Plains Commerce Bank | 5 | 14.3% |
| 4 | First Interstate Bank | 4 | 11.4% |
| 5 | Bankwest, INC. | 2 | 5.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Brule County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Brule County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.