Harding County
South Dakota · FIPS 46063
According to CFPB HMDA 2024 application volume among U.S. counties, Harding County ranks #3,178 of 3,223, and #60 of 65 in South Dakota.
Mortgage lending activity in Harding 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. Harding County, South Dakota lenders denied 1 of the applications reported here, financing the rest at an average note rate of 7.54%, with applicants self-reporting average annual income of $34K. 5 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 Harding County
In Harding County, lead originator Pioneer Bank & Trust funded 42.9% of 7 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 71.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Harding County's 14 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harding County's $161,429 average loan (deduped against volume peers).
Lenders active in Harding County
Pioneer Bank & Trust funded 3 of the 7 loans originated in Harding County, 42.9% of the county. 5 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Pioneer Bank & Trust | 3 | 42.9% |
| 2 | Farm Credit Mid-America, Aca | 1 | 14.3% |
| 3 | Bankwest, INC. | 1 | 14.3% |
| 4 | Northern Hills FCU | 1 | 14.3% |
| 5 | The Federal Savings Bank | 1 | 14.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Harding 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 Harding 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.