Todd County
South Dakota · FIPS 46121
According to CFPB HMDA 2024 application volume among U.S. counties, Todd County ranks #3,173 of 3,223, and #59 of 65 in South Dakota.
Mortgage lending activity in Todd 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. Todd County, South Dakota lenders denied 4 of the applications reported here, financing the rest at an average note rate of 6.30%, with applicants self-reporting average annual income of $37K. 6 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.0x, meaning typical borrowers took on mortgages of about 8.0 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 Todd County
In Todd County, lead originator First National Bank funded 33.3% of 9 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 66.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Todd County's 15 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Todd County's $295,000 average loan (deduped against volume peers).
Lenders active in Todd County
First National Bank funded 3 of the 9 loans originated in Todd County, 33.3% of the county. 6 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First National Bank | 3 | 33.3% |
| 2 | Rocket Mortgage | 2 | 22.2% |
| 3 | Click n' Close, Inc. | 1 | 11.1% |
| 4 | Bankwest, INC. | 1 | 11.1% |
| 5 | First Savings Bank | 1 | 11.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Todd 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 Todd 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.