Turner County
South Dakota · FIPS 46125
According to CFPB HMDA 2024 application volume among U.S. counties, Turner County ranks #2,279 of 3,223, and #17 of 65 in South Dakota.
Mortgage lending activity in Turner 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. Turner County, South Dakota lenders denied 58 of the applications reported here, financing the rest at an average note rate of 7.26%, with applicants self-reporting average annual income of $38K. 50 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 Turner County
In Turner County, lead originator Plains Commerce Bank funded 14.2% of 190 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 33.2% 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 Turner County's 346 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Turner County's $185,780 average loan (deduped against volume peers).
Lenders active in Turner County
Plains Commerce Bank funded 27 of the 190 loans originated in Turner County, 14.2% of the county. 50 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Plains Commerce Bank | 27 | 14.2% |
| 2 | Rivers Edge Bank | 20 | 10.5% |
| 3 | Levo Federal Credit Union | 16 | 8.4% |
| 4 | First Premier Bank | 12 | 6.3% |
| 5 | First Bank & Trust | 8 | 4.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Turner 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 Turner 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.