Moody County
South Dakota · FIPS 46101
According to CFPB HMDA 2024 application volume among U.S. counties, Moody County ranks #2,682 of 3,223, and #23 of 65 in South Dakota.
Mortgage lending activity in Moody 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. Moody County, South Dakota lenders denied 21 of the applications reported here, financing the rest at an average note rate of 6.99%, with applicants self-reporting average annual income of $35K. 39 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 Moody County
In Moody County, lead originator First Bank & Trust funded 12.2% of 98 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 34.7% 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 Moody County's 167 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Moody County's $199,850 average loan (deduped against volume peers).
Lenders active in Moody County
First Bank & Trust funded 12 of the 98 loans originated in Moody County, 12.2% of the county. 39 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Bank & Trust | 12 | 12.2% |
| 2 | Plains Commerce Bank | 12 | 12.2% |
| 3 | First Premier Bank | 10 | 10.2% |
| 4 | The First National Bank in Sioux Falls | 6 | 6.1% |
| 5 | Bankwest, INC. | 5 | 5.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Moody 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 Moody 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.