Black Hills Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Black Hills Federal Credit Union 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Black Hills Federal Credit Union Po Box 1420-225 Main St Rapid City, SD 57709 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,242 |
| Total Mortgage Loan Application Amount | $239,410,000 |
| Average Mortgage Loan Application Amount | $163,000 |
| Highest Mortgage Loan Application Amount | $1,865,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,048,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Black Hills Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Black Hills Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Black Hills Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Black Hills Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Black Hills Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Black Hills Federal Credit Union's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pennington County South Dakota | 603 | $ 116,055,000 | $ 192,000 | $ 94,000 |
| Meade County South Dakota | 142 | $ 28,970,000 | $ 204,000 | $ 86,000 |
| Lawrence County South Dakota | 109 | $ 22,395,000 | $ 205,000 | $ 85,000 |
| Minnehaha County South Dakota | 67 | $ 13,415,000 | $ 200,000 | $ 90,000 |
| Custer County South Dakota | 66 | $ 12,670,000 | $ 191,000 | $ 76,000 |
| Hughes County South Dakota | 56 | $ 10,420,000 | $ 186,000 | $ 77,000 |
| Lincoln County South Dakota | 41 | $ 10,765,000 | $ 262,000 | $ 123,000 |
| Fall River County South Dakota | 37 | $ 4,275,000 | $ 115,000 | $ 63,000 |
| Butte County South Dakota | 22 | $ 4,170,000 | $ 189,000 | $ 75,000 |
| Haakon County South Dakota | 7 | $ 655,000 | $ 93,000 | $ 71,000 |
| Stanley County South Dakota | 4 | $ 810,000 | $ 202,000 | $ 59,000 |
| Sully County South Dakota | 4 | $ 580,000 | $ 145,000 | $ 337,000 |
| Campbell County Wyoming | 4 | $ 420,000 | $ 105,000 | $ 530,000 |
| Pinal County Arizona | 3 | $ 445,000 | $ 148,000 | $ 75,000 |
| Crook County Wyoming | 3 | $ 555,000 | $ 185,000 | $ 229,000 |
| Maricopa County Arizona | 2 | $ 280,000 | $ 140,000 | $ 55,000 |
| Yellowstone County Montana | 2 | $ 460,000 | $ 230,000 | $ 61,000 |
| Brookings County South Dakota | 2 | $ 480,000 | $ 240,000 | $ 113,000 |
| Hyde County South Dakota | 2 | $ 380,000 | $ 190,000 | $ 111,000 |
| Turner County South Dakota | 2 | $ 240,000 | $ 120,000 | $ 64,000 |
| Weston County Wyoming | 2 | $ 320,000 | $ 160,000 | $ 103,000 |
| Coconino County Arizona | 1 | $ 305,000 | $ 305,000 | $ 67,000 |
| Mohave County Arizona | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Yavapai County Arizona | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Riverside County California | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Ventura County California | 1 | $ 325,000 | $ 325,000 | $ 133,000 |
| Adams County Colorado | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Cook County Illinois | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Jay County Indiana | 1 | $ 85,000 | $ 85,000 | $ 139,000 |
| Johnson County Indiana | 1 | $ 265,000 | $ 265,000 | $ 139,000 |
| Black Hawk County Iowa | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Buchanan County Iowa | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Lyon County Iowa | 1 | $ 185,000 | $ 185,000 | $ 194,000 |
| Story County Iowa | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Warren County Iowa | 1 | $ 345,000 | $ 345,000 | $ 143,000 |
| Dakota County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Freeborn County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| Lyon County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 230,000 |
| Pipestone County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 203,000 |
| Rock County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Buffalo County Nebraska | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
| Lancaster County Nebraska | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Sheridan County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Santa Fe County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Allegany County New York | 1 | $ 305,000 | $ 305,000 | $ 251,000 |
| Monroe County New York | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Onslow County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Logan County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Oklahoma County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Marion County Oregon | 1 | $ 325,000 | $ 325,000 | $ 161,000 |
| Beadle County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 142,000 |
| Bennett County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Bon Homme County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Brown County South Dakota | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Campbell County South Dakota | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Codington County South Dakota | 1 | $ 695,000 | $ 695,000 | $ 310,000 |
| Davison County South Dakota | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Hand County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Harding County South Dakota | 1 | $ 85,000 | $ 85,000 | $ 12,000 |
| Jackson County South Dakota | 1 | $ 345,000 | $ 345,000 | $ 101,000 |
| Kingsbury County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Lake County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Lyman County South Dakota | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Tripp County South Dakota | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Walworth County South Dakota | 1 | $ 115,000 | $ 115,000 | $ 82,000 |
| Hardin County Texas | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Tarrant County Texas | 1 | $ 245,000 | $ 245,000 | $ 49,000 |
| Asotin County Washington | 1 | $ 265,000 | $ 265,000 | $ 274,000 |
| Polk County Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| Natrona County Wyoming | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Black Hills Federal Credit Union in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 637 | $132,605,000 | $208,000 | $875,000 | $94,000 | $669,000 |
| Home Improvement | 210 | $31,090,000 | $148,000 | $465,000 | $92,000 | $663,000 |
| Cash-out Refinancing | 205 | $40,145,000 | $195,000 | $1,865,000 | $86,000 | $1,048,000 |
| Refinancing | 188 | $35,330,000 | $187,000 | $905,000 | $90,000 | $581,000 |
| Not Applicable | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $106,000 | $106,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,067 | $209,095,000 | $195,000 | $905,000 | $91,000 | $1,048,000 |
| Not Provided | 101 | $17,135,000 | $169,000 | $725,000 | $103,000 | $663,000 |
| American Indian or Alaskan Native | 33 | $5,005,000 | $151,000 | $475,000 | $78,000 | $274,000 |
| Hispanic | 16 | $2,540,000 | $158,000 | $585,000 | $104,000 | $575,000 |
| Asian | 8 | $1,530,000 | $191,000 | $435,000 | $78,000 | $242,000 |
| Black or African American | 8 | $1,340,000 | $167,000 | $275,000 | $66,000 | $97,000 |
| Not applicable | 6 | $2,400,000 | $400,000 | $1,865,000 | $138,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,101 | $208,675,000 | $189,000 | $1,865,000 | $95,000 | $1,048,000 |
| VA-guaranteed (Veterans Administration) | 100 | $24,430,000 | $244,000 | $585,000 | $80,000 | $233,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,355,000 | $159,000 | $315,000 | $55,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,950,000 | $147,000 | $235,000 | $51,000 | $97,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 778 | $157,770,000 | $202,000 | $1,865,000 | $100,000 | $669,000 |
| Application Withdrawn By Applicant | 245 | $50,325,000 | $205,000 | $905,000 | $93,000 | $1,048,000 |
| Application Denied By Financial Institution | 182 | $26,410,000 | $145,000 | $455,000 | $58,000 | $180,000 |
| Application Approved But Not Accepted | 20 | $1,750,000 | $87,000 | $405,000 | $86,000 | $228,000 |
| File Closed For Incompleteness | 17 | $3,155,000 | $185,000 | $345,000 | $95,000 | $480,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,060 | $213,000,000 | $200,000 | $1,865,000 | $98,000 | $1,048,000 |
| Debt-To-Income Ratio | 69 | $10,775,000 | $156,000 | $455,000 | $52,000 | $157,000 |
| Credit History | 65 | $9,455,000 | $145,000 | $445,000 | $59,000 | $157,000 |
| Collateral | 20 | $2,970,000 | $148,000 | $415,000 | $76,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $810,000 | $101,000 | $195,000 | $61,000 | $112,000 |
| Employment History | 7 | $915,000 | $130,000 | $345,000 | $42,000 | $91,000 |
| Other | 5 | $355,000 | $71,000 | $175,000 | $58,000 | $132,000 |
| Unverifiable Information | 5 | $975,000 | $195,000 | $445,000 | $66,000 | $96,000 |
| Credit Application Incomplete | 3 | $155,000 | $51,000 | $65,000 | $60,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Black Hills Federal Credit Union's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Black Hills Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in South Dakota, download the full spreadsheet
with aggregated HMDA statistics today.