Black Hills Community Bank, N.A.
Black Hills Community Bank, N.A. received 185 applications in 2025 and made 127 mortgages, in 27 counties across 16 states. The median rate its borrowers got was Not published on a median loan of $305,000. Of 147 decisions, 18 were denials — 12.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549001R6R928Y08SC30 |
|---|---|
| Applications received | 185 |
| Mortgages made | 127 |
| Denied | 18 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 38 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Black Hills Community Bank, N.A., 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 108 | Not published | $315,000 | 6.8% |
| Refinancing | 10 | Not published | $225,000 | 16.7% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 41.7% |
Where Black Hills Community Bank, N.A. lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pennington County, SD | 41 | Not published | 16.0% |
| Lawrence County, SD | 28 | Not published | 9.7% |
| Fall River County, SD | 17 | Not published | 10.0% |
| Butte County, SD | 10 | Not published | 0.0% |
| Meade County, SD | 10 | Not published | 16.7% |
| Custer County, SD | 2 | Under 10 loans | 33.3% |
| Haakon County, SD | 2 | Under 10 loans | 0.0% |
| Minnehaha County, SD | 2 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Kennebec County, ME | 1 | Under 10 loans | 0.0% |
| Hubbard County, MN | 1 | Under 10 loans | 0.0% |
| Pipestone County, MN | 1 | Under 10 loans | 0.0% |
| Oktibbeha County, MS | 1 | Under 10 loans | 0.0% |
| Custer County, MT | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Cass County, ND | 1 | Under 10 loans | 0.0% |
| Edmunds County, SD | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Salt Lake County, UT | 1 | Under 10 loans | 0.0% |
| Loudoun County, VA | 1 | Under 10 loans | 0.0% |
| Crook County, WY | 1 | Under 10 loans | 0.0% |
| Weston County, WY | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Monroe County, IL | 0 | Under 10 loans | Not published |
| Kings County, NY | 0 | Under 10 loans | 100.0% |
| Brown County, SD | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.