Safe Rate Rankings

Best All Lender Mortgage Lenders in Rapid City

Updated May 26, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders26

Total Loans1,510

Median Rate Spread0.02%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,110Fees	0.109%Above	147
2	Dacotah BankBank	Strong	Strong	Strong	Strong	$2,064Fees	0.045%Above	35
3	BLACK HILLS FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$3,486Fees	0.127%Below	176
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$616Fees	0.062%Above	27
5	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,182Fees	0.184%Above	320
6	BANKWEST, INC.Bank	Strong	Sound	Strong	Strong	$3,773Fees	0.058%Below	25
7	Plains Commerce BankBank	Strong	Acceptable	Strong	Exceptional	$3,476Fees	0.016%Above	169
8	GRANITE BANKBank	Strong	Acceptable	Strong	Exceptional	$2,566Fees	0.227%Below	102
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,800Fees	0.168%Above	100
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,688Fees	0.291%Below	31
11	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$2,191Fees	0.030%Below	77
12	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,797Fees	0.130%Above	37
13	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$6,432Fees	0.563%Above	41
14	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,718Fees	0.316%Below	26
15	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,823Fees	0.421%Above	21

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.