Clark County
South Dakota · FIPS 46025
According to CFPB HMDA 2024 application volume among U.S. counties, Clark County ranks #3,006 of 3,223, and #40 of 65 in South Dakota.
Mortgage lending activity in Clark 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. Clark County, South Dakota lenders denied 8 of the applications reported here, financing the rest at an average note rate of 6.61%, with applicants self-reporting average annual income of $35K. 16 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 Clark County
In Clark County, lead originator Dacotah Bank funded 36.8% of 38 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 55.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Clark County's 59 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clark County's $184,322 average loan (deduped against volume peers).
Lenders active in Clark County
Dacotah Bank funded 14 of the 38 loans originated in Clark County, 36.8% of the county. 16 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Dacotah Bank | 14 | 36.8% |
| 2 | Plains Commerce Bank | 4 | 10.5% |
| 3 | Fairway Independent Mort CORP | 3 | 7.9% |
| 4 | First Bank & Trust | 2 | 5.3% |
| 5 | Guaranteed Rate, INC. | 2 | 5.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Clark 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 Clark 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.