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Find Mortgage Refinance Companies Near You in Rapid City, SD
Directory of mortgage refinance companies in Rapid City, South Dakota. Verify credentials with the state mortgage licensing authority before hiring.
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 refinance companies 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
Luke Dye
909 St Joseph St Seventh Floor, Rapid City, SD 57701
6054305613
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
A mortgage refinance company in Rapid City helps homeowners lower their interest rate or change loan terms. South Dakota law requires all mortgage lenders to be licensed by the Division of Banking. Local companies understand the Black Hills housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Rapid City Cost?
Typical refinance costs in South Dakota range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, title insurance of 500 to 1,500 dollars, and lender origination fees of 0.5 to 1 percent. Recording fees and taxes add 100 to 300 dollars. This is general information and 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 refinance in Rapid City?
You typically need pay stubs, tax returns, bank statements, and a current mortgage statement. South Dakota does not require a specific state form, but lenders follow federal guidelines.
How long does a refinance take in South Dakota?
Most refinances close in 30 to 45 days. South Dakota has no mandatory waiting period, but the lender must provide a Loan Estimate within three business days of your application.
Are there South Dakota specific fees for refinancing?
South Dakota charges a mortgage recording fee of about 0.10 percent of the loan amount. You may also pay a state documentary stamp tax, though this varies by county.
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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.