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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Rapid City
Updated February 5, 2026
Market Overview
26
Total Lenders
1,510
Total Loans
0.02%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $616 | +0.062% | 27 | |
2 | BLACK HILLS FEDERAL CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $3,486 | -0.127% | 176 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,110 | +0.109% | 147 | |
4 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,537 | +0.067% | 15 | |
5 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.184% | 320 | |
6 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,476 | +0.016% | 169 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,800 | +0.168% | 100 | |
8 | Dacotah Bank | Strong | Sound | Strong | Strong | Strong | $2,064 | +0.045% | 35 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,881 | +0.051% | 13 | |
10 | GRANITE BANK | Strong | Acceptable | Strong | Strong | Exceptional | $2,566 | -0.227% | 102 | |
11 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,191 | -0.030% | 77 | |
12 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,797 | +0.130% | 37 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,688 | -0.291% | 31 | |
14 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $3,495 | +0.214% | 16 | |
15 | Security First Bank | Strong | Strong | Sound | Sound | Sound | $502 | +0.040% | 12 | |
16 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,718 | -0.316% | 26 | |
17 | BANKWEST, INC. | Strong | Sound | Sound | Sound | Strong | $3,773 | -0.058% | 25 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,511 | +0.433% | 11 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $6,432 | +0.563% | 41 | |
20 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,823 | +0.421% | 21 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,403 | +0.306% | 10 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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