Tier 3 · Development · noindex until quality gates pass · quality score 7/100
Clay County, South Dakota mortgage market
0 in-county HQ companies. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — Clay County
Source: 2025 HMDA · South Dakota (SD) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional83.2% · 203
- FHA7.8% · 19
- VA7.8% · 19
- USDA / RHS0.0% · 3
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in Clay County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| Plains Commerce Bank | 28 | 11.5% |
| First Dakota National Bank | 25 | 10.3% |
| FIRST BANK & TRUST | 19 | 7.8% |
| BMO Bank National Association | 13 | 5.3% |
| CorTrust Bank National Association | 12 | 4.9% |
| 549300XZB7LPI2LTGX17 | 11 | 4.5% |
| Rocket Mortgage, LLC | 10 | 4.1% |
| First PREMIER Bank | 10 | 4.1% |
| 549300MVYX1L50756117 | 9 | 3.7% |
| CORTRUST MORTGAGE, INC. | 8 | 3.3% |
| 21ST MORTGAGE CORPORATION | 7 | 2.9% |
| Central Bank | 6 | 2.5% |
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Higher HMDA activity (matched lenders)
From county HMDA extracts when a LEI maps to our directory — not a ranking or recommendation.
No lenders with a confirmed in-county licensed business address are listed yet. Nearby market lenders below may serve borrowers here — they are not in-county locals.
We haven’t listed in-county lenders in Clay County, South Dakota yet
Clay County, South Dakota
This county has no confirmed in-county HQ listings in our research directory. We do not pad with far-away offices labeled as local. Re-check any company on NMLS Consumer Access.
Coverage is expanding. We do not invent lenders or claim nationwide county counts we cannot support.
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