Black Hills Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
40th12.2% deniedProcesswithdrawn + incomplete share, weight 15%
18th20.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 175 | 115 | 8.0% | 10.5% | — | $34M |
| 2024 | 153 | 105 | 9.2% | 11.8% | — | $32M |
| 2025 | 185 | 127 | 9.7% | 12.2% | — | $48M |
What Black Hills Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 25 investment properties.
Why Black Hills Community Bank denies applications
Primary reason reported for each of the 18 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Black Hills Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 57 | 38 | 15.2% |
| $100k – $150k | 33 | 22 | 18.5% |
| $150k – $250k | 33 | 22 | 8.3% |
| Over $250k | 28 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 30 | 6.1% |
| 35–44 | 34 | 24 | 7.7% |
| 45–54 | 37 | 25 | 16.7% |
| 55–64 | 22 | 13 | 22.2% |
Where Black Hills Community Bank lends
16 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Dakota | 167 | 113 | 9.6% | — | #40 |
Frequently asked questions
Black Hills Community Bank denied 12.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 40th percentile of small mortgage lenders.
The most common reason Black Hills Community Bank gave in 2025 was "debt-to-income ratio", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 78% of its applications were for home purchases, 14% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 76% conventional, 16% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.