Hand County
South Dakota · FIPS 46059
According to CFPB HMDA 2024 application volume among U.S. counties, Hand County ranks #2,971 of 3,223, and #36 of 65 in South Dakota.
Mortgage lending activity in Hand 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. Hand County, South Dakota lenders denied 10 of the applications reported here, financing the rest at an average note rate of 6.67%, with applicants self-reporting average annual income of $37K. 19 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Hand County
In Hand County, lead originator American Bank & Trust funded 32.4% of 37 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 Hand County's 69 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hand County's $165,435 average loan (deduped against volume peers).
Lenders active in Hand County
American Bank & Trust funded 12 of the 37 loans originated in Hand County, 32.4% of the county. 19 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | American Bank & Trust | 12 | 32.4% |
| 2 | West Gate Bank | 3 | 8.1% |
| 3 | Plains Commerce Bank | 3 | 8.1% |
| 4 | First Premier Bank | 2 | 5.4% |
| 5 | Rocket Mortgage | 2 | 5.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Hand 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 Hand 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.