Safe Rate Rankings

Best All Lender Mortgage Lenders in South Dakota

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 Lenders62

Total Loans8,496

Median Rate Spread0.14%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Levo Federal Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	$1,876Fees	0.110%Below	200
2	First Dakota National BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,000Fees	0.112%Below	409
3	IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	$2,905Fees	0.053%Below	50
4	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Sound	$2,643Fees	0.018%Above	24
5	Dacotah BankBank	Exceptional	Strong	Strong	Exceptional	$1,902Fees	0.022%Below	256
6	Central BankBank	Exceptional	Strong	Exceptional	Strong	$3,095Fees	0.197%Below	125
7	First PREMIER BankBank	Strong	Strong	Sound	Exceptional	$1,978Fees	0.094%Below	406
8	First International Bank & TrustBank	Strong	Sound	Exceptional	Exceptional	$1,402Fees	0.166%Below	261
9	American Bank & TrustBank	Strong	Strong	Sound	Exceptional	$2,147Fees	0.126%Below	243
10	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,035Fees	0.050%Above	186
11	First National Bank of OmahaBank	Strong	Strong	Strong	Strong	$2,348Fees	0.099%Below	143
12	Reliabank DakotaBank	Strong	Strong	Strong	Strong	$2,442Fees	0.085%Below	114
13	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$442Fees	0.545%Below	28
14	First Bank & TrustBank	Strong	Sound	Strong	Exceptional	$2,808Fees	0.156%Below	550
15	BLACK HILLS FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$3,279Fees	0.112%Below	305
16	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,283Fees	0.118%Above	273
17	CORTRUST MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,385Fees	0.063%Below	203
18	BANKWEST, INC.Bank	Strong	Sound	Strong	Exceptional	$3,213Fees	0.049%Below	163
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,814Fees	0.101%Above	123
20	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$2,648Fees	0.028%Above	25
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,595Fees	0.308%Above	166
22	CU MORTGAGE DIRECT, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,486Fees	0.050%Above	123
23	Plains Commerce BankBank	Strong	Acceptable	Strong	Exceptional	$2,993Fees	0.057%Below	1,524
24	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,351Fees	0.367%Above	430
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,165Fees	0.200%Above	395
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,181Fees	0.166%Above	276
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,766Fees	0.406%Above	68
28	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,633Fees	0.268%Below	67
29	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,353Fees	0.257%Above	52
30	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,124Fees	0.280%Above	33
31	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,458Fees	0.039%Above	28
32	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,213Fees	0.559%Above	177
33	GRANITE BANKBank	Strong	Acceptable	Strong	Strong	$2,215Fees	0.129%Below	137
34	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,319Fees	0.433%Above	126
35	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$2,269Fees	0.021%Above	105
36	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,946Fees	0.308%Below	38
37	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,412Fees	0.033%Below	33
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,312Fees	0.965%Above	24
39	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,831Fees	0.176%Above	57
40	First Interstate BankBank	Sound	Sound	Mediocre	Strong	$1,462Fees	0.316%Above	53
41	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$1,860Fees	0.221%Above	42
42	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,672Fees	0.332%Above	30
43	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,574Fees	0.295%Below	27
44	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$5,967Fees	0.490%Above	52
45	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,886Fees	0.311%Above	39
46	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,699Fees	0.656%Above	28
47	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$5,728Fees	0.577%Above	66
48	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$6,089Fees	1.147%Above	22

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.