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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 Company Lenders in South Dakota
Updated February 6, 2026
Market Overview
24
Total Lenders
8,496
Total Loans
0.14%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATION | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,905 | -0.053% | 50 | |
2 | CORTRUST MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,385 | -0.063% | 203 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,351 | +0.367% | 430 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,283 | +0.118% | 273 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,353 | +0.257% | 52 | |
6 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,412 | -0.033% | 33 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.200% | 395 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,181 | +0.166% | 276 | |
9 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,595 | +0.308% | 166 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,319 | +0.433% | 126 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,633 | -0.268% | 67 | |
12 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $3,124 | +0.280% | 33 | |
13 | CU MORTGAGE DIRECT, LLC | Strong | Sound | Sound | Sound | Strong | $2,486 | +0.050% | 123 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,766 | +0.406% | 68 | |
15 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,831 | +0.176% | 57 | |
16 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,672 | +0.332% | 30 | |
17 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,574 | -0.295% | 27 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,312 | +0.965% | 24 | |
19 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,559 | +0.508% | 18 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,213 | +0.559% | 177 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,886 | +0.311% | 39 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,699 | +0.656% | 28 | |
23 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,967 | +0.490% | 52 | |
24 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Strong | $5,728 | +0.577% | 66 |
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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