Black Hills Community Bank in South Dakota vs the state
9.6%Denial rate-3.17 pts vs state
12.2%Decision denial rate-3.52 pts vs state
67.7%Origination rate+1.62 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
113Loans originated
16Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 106 | 8.8% | — | #36 |
| 2024 | 141 | 101 | 7.8% | — | #43 |
| 2025 | 167 | 113 | 9.6% | — | #40 |
What Black Hills Community Bank lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most Black Hills Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pennington County | 64 | 41 | 8 | 12.5% |
| Lawrence County | 44 | 28 | 3 | 6.8% |
| Fall River County | 24 | 17 | 2 | 8.3% |
| Meade County | 13 | 10 | 2 | 15.4% |
| Butte County | 11 | 10 | 0 | 0.0% |
| Custer County | 4 | 2 | 1 | 25.0% |
| Haakon County | 3 | 2 | 0 | 0.0% |
| Minnehaha County | 2 | 2 | 0 | 0.0% |
| Brown County | 1 | 0 | 0 | 0.0% |
| Edmunds County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Plains Commerce Bank | B | 2,280 | 5.5% | 6.25% |
| First PREMIER Bank | C | 1,389 | 11.7% | 6.88% |
| First Bank & Trust | C | 1,320 | 11.2% | 6.63% |
| Black Hills Federal Credit Union | D | 1,223 | 23.0% | 7.75% |
| Rocket Mortgage | C | 1,027 | 16.9% | 6.75% |
| CMG Mortgage | A | 919 | 2.3% | 6.38% |
| Bankwest | F | 786 | 14.0% | 7.25% |
| First Dakota National Bank | A | 690 | 4.6% | 6.50% |
| Levo Federal Credit Union | B | 644 | 6.8% | 7.50% |
| U.S. Bank | D | 637 | 24.0% | 6.99% |
Frequently asked questions
South Dakota: 167 applications in 2025, of which 113 were originated and 16 denied.
9.6% of all applications, or 12.2% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Black Hills Community Bank's own HMDA filing for properties located in South Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology