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Looking for a mortgage lender in Rapid City? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Rapid City, SD
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the South Dakota before hiring.
Showing 20 mortgage lenders in Rapid City, SD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Affiliated Mortgage - Premier Home Loan Lender
1301 W Omaha St Suite 118, Rapid City, SD 57701
6057189820
Blue Ribbon Mortgage and Investments
2025 Jackson Blvd, Rapid City, SD 57702
6053438087
Hannah Beachem - Granite Mortgage
219 Founders Park Dr Suite 3, Rapid City, SD 57702
6052092809
Hannah Beachem - Granite Mortgage
219 Founders Park Dr Suite 3, Rapid City, SD 57702
6052092809
Luke Dye
909 St Joseph St Seventh Floor, Rapid City, SD 57701
6054305613
Amber Matt - Mortgage Loan Officer
902 Main St, Rapid City, SD 57701
6059395911
Tanner Oman
909 St Joseph St Seventh Floor, Rapid City, SD 57701
6052198052
Angelia Dale - Gateway Mortgage
343 Quincy St Unit 102, Rapid City, SD 57701
6056462024
Josh Campbell
Seventh Floor, 909 St Joseph St, Rapid City, SD 57701
6058004111
USA Mortgage | Laci Sosa
550 N 5th St Ste 314, Rapid City, SD 57701
6056909005
Omni Home Financing
1508 Mt Rushmore Rd, Rapid City, SD 57701
6053918777
Heritage Home Lending, LLC
1219 St Joseph St Suite 200, Rapid City, SD 57701
6053401339
Spencer Gossel
909 St Joseph St Seventh Floor, Rapid City, SD 57701
6052198061
Unify Home Lending Inc.
2101 Mt Rushmore Rd #300, Rapid City, SD 57701
6056462800
Rapid Mortgage LLC - Mark Abrams
2050 W Main St Suite 1, Rapid City, SD 57702
6053913895
Clay Schwahn - Granite Mortgage
219 Founders Park Dr Suite 3, Rapid City, SD 57701
Mortgage lenders in Rapid City, South Dakota help homebuyers secure financing for residential properties. South Dakota has no state income tax, which can affect your overall affordability. Local lenders are familiar with Rapid City market conditions and can guide you through the loan process.
What Does a Mortgage Lender in Rapid City Cost?
Typical mortgage lender costs in South Dakota include an origination fee of 0.5 percent to 1 percent of the loan amount, plus appraisal fees around 400 to 600 dollars, and title insurance costs of 500 to 1,000 dollars. Closing costs generally total 2 percent to 5 percent of the purchase price. These figures vary by lender and property. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Rapid City?
You typically need pay stubs, tax returns, bank statements, and identification. South Dakota law does not require a specific document set, but most lenders follow standard federal guidelines.
How long does the mortgage process take in South Dakota?
The process usually takes 30 to 45 days from application to closing. South Dakota does not have a statutory time limit for mortgage closings, but lenders must comply with federal disclosure timelines.
Are there first-time home buyer programs in South Dakota?
Yes, the South Dakota Housing Development Authority offers programs like the First-Time Homebuyer Program. These provide down payment assistance and competitive interest rates for eligible buyers in Rapid City.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the South Dakota.