Miner County
South Dakota · FIPS 46097
According to CFPB HMDA 2024 application volume among U.S. counties, Miner County ranks #3,051 of 3,223, and #42 of 65 in South Dakota.
Mortgage lending activity in Miner 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. Miner County, South Dakota lenders denied 6 of the applications reported here, financing the rest at an average note rate of 6.72%, with applicants self-reporting average annual income of $36K. 18 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 Miner County
In Miner County, lead originator Rivers Edge Bank funded 17.1% of 35 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 40.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Miner County's 48 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Miner County's $166,667 average loan (deduped against volume peers).
Lenders active in Miner County
Rivers Edge Bank funded 6 of the 35 loans originated in Miner County, 17.1% of the county. 18 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rivers Edge Bank | 6 | 17.1% |
| 2 | Cortrust Bank NA | 5 | 14.3% |
| 3 | Farm Credit Mid-America, Aca | 3 | 8.6% |
| 4 | First Dakota National Bak | 2 | 5.7% |
| 5 | First Premier Bank | 2 | 5.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Miner 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 Miner 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.