BLACK HILLS FEDERAL CREDIT UNION
BLACK HILLS FEDERAL CREDIT UNION received 1,313 applications in 2025 and made 783 mortgages, in 92 counties across 21 states. The median rate its borrowers got was 7.750% on a median loan of $155,000. Of 1,145 decisions, 305 were denials — 26.6%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300M2Z8GR3VL0QQ74 |
|---|---|
| Applications received | 1,313 |
| Mortgages made | 783 |
| Denied | 305 |
| Approved, not taken up | 57 |
| Withdrawn or incomplete | 168 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.64 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 248 | 6.125% | $295,000 | 7.3% |
| Refinancing | 138 | 8.000% | $105,000 | 22.7% |
| Cash-out refinancing | 99 | 5.990% | $245,000 | 16.8% |
| Other purposes | 298 | 8.000% | $65,000 | 40.4% |
Where BLACK HILLS FEDERAL CREDIT UNION lends most
The 50 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 | 315 | 7.750% | 28.0% |
| Meade County, SD | 101 | 7.750% | 21.2% |
| Lawrence County, SD | 82 | 7.750% | 21.3% |
| Minnehaha County, SD | 65 | 6.750% | 24.7% |
| Custer County, SD | 46 | 7.500% | 23.8% |
| Fall River County, SD | 32 | 7.370% | 22.2% |
| Lincoln County, SD | 25 | 8.000% | 18.8% |
| Butte County, SD | 22 | 8.000% | 30.3% |
| Hughes County, SD | 19 | 6.750% | 36.4% |
| Yellowstone County, MT | 10 | 7.875% | 44.4% |
| Turner County, SD | 6 | Under 10 loans | 0.0% |
| Haakon County, SD | 3 | Under 10 loans | 62.5% |
| Stanley County, SD | 3 | Under 10 loans | 20.0% |
| Sully County, SD | 3 | Under 10 loans | 0.0% |
| Campbell County, WY | 3 | Under 10 loans | 0.0% |
| Crook County, WY | 3 | Under 10 loans | 33.3% |
| Hennepin County, MN | 2 | Under 10 loans | 33.3% |
| Tripp County, SD | 2 | Under 10 loans | 0.0% |
| Yankton County, SD | 2 | Under 10 loans | 0.0% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Payette County, ID | 1 | Under 10 loans | 0.0% |
| Howard County, IN | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Elk County, KS | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Koochiching County, MN | 1 | Under 10 loans | 0.0% |
| Howard County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Beaverhead County, MT | 1 | Under 10 loans | 0.0% |
| Big Horn County, MT | 1 | Under 10 loans | 0.0% |
| Musselshell County, MT | 1 | Under 10 loans | 0.0% |
| Park County, MT | 1 | Under 10 loans | 0.0% |
| Richland County, MT | 1 | Under 10 loans | 0.0% |
| Silver Bow County, MT | 1 | Under 10 loans | 0.0% |
| Stillwater County, MT | 1 | Under 10 loans | 0.0% |
| Cuming County, NE | 1 | Under 10 loans | 0.0% |
| Cass County, ND | 1 | Under 10 loans | 0.0% |
| Richland County, ND | 1 | Under 10 loans | 0.0% |
| Mercer County, PA | 1 | Under 10 loans | 0.0% |
| Bennett County, SD | 1 | Under 10 loans | 0.0% |
| Brookings County, SD | 1 | Under 10 loans | 0.0% |
| Codington County, SD | 1 | Under 10 loans | 0.0% |
| Grant County, SD | 1 | Under 10 loans | 0.0% |
| Hand County, SD | 1 | Under 10 loans | 0.0% |
| Harding County, SD | 1 | Under 10 loans | 0.0% |
| Hyde County, SD | 1 | Under 10 loans | 0.0% |
| Lake County, SD | 1 | Under 10 loans | 0.0% |
| McCook County, SD | 1 | Under 10 loans | 50.0% |
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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.