Mortgage Lenders and Brokers in Keystone, South Dakota
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Keystone, South Dakota mortgage lenders include Black Hills Federal Credit UnionBlack Hills Federal Credit Union376 Liberty Boulevard, Box Elder, SD 57719A+5.0 ★Texas Ratio: 0.00%, First National BankFirst National Bank307 E Hustan Ave, Fort Pierre, SD 57532A+5.0 ★Texas Ratio: 2.40%, US Bank, N.A.US Bank, N.A.320 S 1st St, Aberdeen, SD 57401A+5.0 ★Texas Ratio: 2.85%, Pioneer Bank & TrustPioneer Bank & Trust700 State St, Belle Fourche, SD 57717A+5.0 ★Texas Ratio: 0.74%, Bankwest, Inc.Bankwest, Inc.703 Main Ave, Armour, SD 57313C+4.1 ★Texas Ratio: 26.29%, Highmark Federal Credit UnionHighmark Federal Credit Union1842 5th Ave, Belle Fourche, SD 57717, Dacotah BankDacotah Bank308 S Main St, Aberdeen, SD 57401A5.0 ★Texas Ratio: 12.58%, Wells Fargo Bank NAWells Fargo Bank NA204 S 1st St, Aberdeen, SD 57401A+5.0 ★Texas Ratio: 5.36%, Black Hills Community Bank, NABlack Hills Community Bank, NA840 Mount Rushmore Rd, Rapid City, SD 57701, and BMO Harris Bank NABMO Harris Bank NA135 E Main St, Corsica, SD 57328A+5.0 ★Texas Ratio: 3.54%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Keystone, South Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Keystone are listed first, then lenders elsewhere in South Dakota, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Keystone, South Dakota
Market share is the lender's share of all home loans closed in Keystone, South Dakota. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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376 Liberty Boulevard, Box Elder, SD 57719 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, HELOC | 6 +3 HELOCs |
12% | 100% | $350,000 | View |
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307 E Hustan Ave, Fort Pierre, SD 57532 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 3 | 6% | 75% | $345,000 | View |
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320 S 1st St, Aberdeen, SD 57401 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
4% | 100% | $955,000 | View |
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700 State St, Belle Fourche, SD 57717 A+5.0 ★Texas Ratio: 0.74% |
Conventional | 2 | 4% | 100% | $485,000 | View |
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703 Main Ave, Armour, SD 57313 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 2 | 4% | 100% | $175,000 | View |
Highmark Federal Credit Union
1842 5th Ave, Belle Fourche, SD 57717 |
Conventional | 1 | 2% | 100% | $375,000 | |
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308 S Main St, Aberdeen, SD 57401 A5.0 ★Texas Ratio: 12.58% |
Conventional | 1 | 2% | 100% | $555,000 | View |
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204 S 1st St, Aberdeen, SD 57401 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2% | 100% | $755,000 | View |
Black Hills Community Bank, NA
840 Mount Rushmore Rd, Rapid City, SD 57701 |
Conventional | 1 | 2% | 100% | $765,000 | |
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135 E Main St, Corsica, SD 57328 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 2% | 100% | $1,335,000 | View |
Aspen Federal Credit Union
4956 5th St, Rapid City, SD 57701 |
Conventional | 1 | 2% | 100% | $85,000 | |
Cmg Mortgage Inc
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Conventional, VA, Jumbo, HELOC | 9 +2 HELOCs |
18% | 100% | $835,000 | |
United Wholesale Mortgage
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Conventional, VA | 3 | 6% | 100% | $471,666 | |
Rocket Mortgage
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Conventional | 3 | 6% | 100% | $461,666 | |
Mortgage Research Center
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Conventional, VA | 3 | 6% | 100% | $621,666 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, VA, Jumbo | 3 | 6% | 100% | $698,333 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 2 | 4% | 100% | $805,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 4% | 100% | $1,090,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 4% | 66.7% | $500,000 | View |
Primelending
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Conventional, Jumbo | 1 | 2% | 100% | $1,085,000 | |
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A+5.0 ★Texas Ratio: 1.89% |
Conventional | 1 | 2% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 4.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Navy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Keystone Mortgage Rate Trends
Daily average mortgage rates for South Dakota compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Keystone, South Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Keystone? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Keystone in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Keystone, SD
Use these to narrow the list above. Each category shows how many Keystone, SD lenders fit and what that kind of lender is usually best for.
Who Lends in Keystone, SD
Independent mortgage companies closed 50 percent of home loans in Keystone, South Dakota in 2025, banks 34 percent and credit unions 16 percent. Cmg Mortgage Inc was the largest mortgage company, First National Bank the largest bank and Black Hills Federal Credit Union the largest credit union. Among lenders headquartered in South Dakota, Black Hills Federal Credit Union led with 6 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in South Dakota. State real estate transfer fee of $0.50 per $500 of value (0.1 percent), paid by the seller (SDCL 43-4-21); no mortgage recording tax.
More South Dakota Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Keystone, SD
By home loans closed in 2025, Black Hills Federal Credit Union was the largest mortgage lender in Keystone, South Dakota with 6 loans, about 12 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Keystone, South Dakota in 2025, led by Black Hills Federal Credit Union with 1. 5 lenders closed VA loans, led by Cmg Mortgage Inc. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 13 banks and 4 credit unions closed home loans in Keystone, South Dakota in 2025, alongside 7 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Keystone, South Dakota during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Keystone, South Dakota for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Keystone. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
