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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 Mortgage Company Lenders in South Dakota
Updated February 6, 2026
Market Overview
24
Total Lenders
2,913
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Sound | $2,905 | -0.053% | 50 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,283 | +0.118% | 273 | |
3 | CORTRUST MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | $2,385 | -0.063% | 203 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,595 | +0.308% | 166 | |
5 | CU MORTGAGE DIRECT, LLC | Strong | Sound | Strong | Strong | $2,486 | +0.050% | 123 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,351 | +0.367% | 430 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,165 | +0.200% | 395 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,181 | +0.166% | 276 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,766 | +0.406% | 68 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,633 | -0.268% | 67 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,353 | +0.257% | 52 | |
12 | Servion, Inc. | Strong | Sound | Strong | Sound | $3,124 | +0.280% | 33 | |
13 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,213 | +0.559% | 177 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,319 | +0.433% | 126 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,412 | -0.033% | 33 | |
16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,312 | +0.965% | 24 | |
17 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,831 | +0.176% | 57 | |
18 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,672 | +0.332% | 30 | |
19 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,574 | -0.295% | 27 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $5,967 | +0.490% | 52 | |
21 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,886 | +0.311% | 39 | |
22 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,699 | +0.656% | 28 | |
23 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Strong | $5,728 | +0.577% | 66 | |
24 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $6,089 | +1.147% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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