Deuel County
South Dakota · FIPS 46039
According to CFPB HMDA 2024 application volume among U.S. counties, Deuel County ranks #2,819 of 3,223, and #27 of 65 in South Dakota.
Mortgage lending activity in Deuel 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. Deuel County, South Dakota lenders denied 20 of the applications reported here, financing the rest at an average note rate of 7.35%, with applicants self-reporting average annual income of $38K. 30 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 Deuel County
In Deuel County, lead originator First Bank & Trust funded 15.9% of 69 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 36.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Deuel County's 114 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Deuel County's $185,351 average loan (deduped against volume peers).
Lenders active in Deuel County
First Bank & Trust funded 11 of the 69 loans originated in Deuel County, 15.9% of the county. 30 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Bank & Trust | 11 | 15.9% |
| 2 | First Premier Bank | 8 | 11.6% |
| 3 | Rocket Mortgage | 6 | 8.7% |
| 4 | Guaranteed Rate, INC. | 4 | 5.8% |
| 5 | Dacotah Bank | 4 | 5.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Deuel 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 Deuel 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.