Applications / Mortgage Analytics / Lenders / South Dakota / Highmark Federal Credit Union
Rapid City, SD · Credit union · NCUA · $259 million assets · 67 loans in 2025
Highmark Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
67
loans originated, 2025
67
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Highmark Federal Credit Union, of Rapid City, South Dakota, makes far bigger loans than similar credit unions, and more of them are backed by the government.
Its typical loan was $255,000, against $95,000 at similar credit unions (those making between half and twice as many loans), higher than about nine in ten of them. Its 67 loans came to $18.5 million where peers typically lent $9.5 million. Refinances made up 74.6% of its lending.
Some 6.0% of its loans were guaranteed by the Department of Veterans Affairs (VA) and 1.5% insured by the Federal Housing Administration (FHA). The typical peer made none of either.
Its loans fell 12% in 2025, from 76 to 67, while the typical peer grew 7%. It made 202 loans in 2020 and 181 in 2021, then 79 in 2022, and has stayed between 60 and 79 since. The latest fall was nine loans.
Rapid City is its largest market, where it ranks 24 of 181 lenders; CMG Mortgage and Black Hills Federal Credit Union lead it. It also lends in rural Wyoming and South Dakota, across 13 counties in four states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Highmark Federal Credit Union took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 74.6% · Purchase 25.4%
Conventional 92.5% · VA 6.0% · FHA 1.5% · of 67 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 | 42 | 62.7% |
| Wyoming | 22 | 32.8% |
| Idaho | 2 | 3.0% |
| Georgia | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rapid City | 34 |
| Casper | 1 |
| Marietta | 1 |
| Sioux Falls | 1 |
| Twin Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009JZ6NIQL6RQT28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 460079 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54122 | 1992–2017 |
Established 1 January 1940. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Highmark Federal Credit Union's data.
Highmark Federal Credit Union's data
$215
Highmark Federal Credit Union 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.
Buy Highmark Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]