Applications / Mortgage Analytics / Lenders / South Dakota / Black Hills Community Bank
Rapid City, SD · National bank · OCC · $492 million assets · 127 loans in 2025
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127
loans originated, 2025
185
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Black Hills Community Bank, a Rapid City home-purchase lender, makes government-backed loans that similar banks mostly do not, and its loans rose 21% in 2025.
FHA loans (insured by the Federal Housing Administration) made up 12.6% of its loans and VA loans (guaranteed by the Department of Veterans Affairs) 8.7%. At the typical similar lender (national banks making between half and twice as many loans) both were 0.0%. Home purchases made up 85.0% of its loans.
Its typical loan was $305,000, against $182,500 at similar lenders, higher than at about four in five of them. Its dollar total rose to $47.7 million from $31.6 million.
Its count rose 21%, against 4% at similar lenders and 10% for the whole market. That followed a long fall, from 370 loans in 2020 to 105 in 2024, so 2025 won back only part of the lost ground.
In Rapid City, SD it ranked 15 of 181 lenders with 2.1% of the market, up from 2.0%; CMG Mortgage leads. It lent in 13 states, and in 2025 it first lent in non-metro Minnesota, Mississippi and Tennessee.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Black Hills Community Bank took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.0% · Refinance 9.4% · Home improvement 3.1% · Other 2.4%
Conventional 78.7% · FHA 12.6% · VA 8.7% · of 127 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Dakota | 113 | 89.0% |
| Minnesota | 2 | 1.6% |
| Wyoming | 2 | 1.6% |
| Florida | 1 | 0.8% |
| Maine | 1 | 0.8% |
| Mississippi | 1 | 0.8% |
| Montana | 1 | 0.8% |
| North Carolina | 1 | 0.8% |
| North Dakota | 1 | 0.8% |
| Tennessee | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rapid City | 53 |
| Sioux Falls | 2 |
| Arlington-Alexandria-Reston | 1 |
| Fargo | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Greensboro-High Point | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
| Salt Lake City-Murray | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001R6R928Y08SC30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3636428 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124798 | 2009–2017 |
Established 27 November 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Black Hills Community Bank's data.
Black Hills Community Bank's data
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Black Hills Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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