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Top-rated mortgage lenders in South Dakota (2025)

Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.

26kApplications in SD
15.7%State decision denial rate
6.50%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
South Dakota ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeGradeApplicationsDenial rateMedian rate
1 The First National Bank in Sioux FallsSioux Falls, SD A 81.5 score 196 2.0% —
2 First Dakota National BankYankton, SD A 74.1 score 690 4.6% 6.50%
3 CMG MortgageSan Ramon, CA A 73.7 score 919 2.3% 6.38%
4 Central BankStorm Lake, IA A 67.5 score 394 5.1% 6.50%
5 United Shore Financial ServicesPlymouth, MI B 67.5 score 563 9.4% 6.13%
6 Fairway Independent MortgageMadison, WI B 64.5 score 490 2.2% 6.25%
7 First International Bank & TrustWatford City, ND B 64.0 score 610 4.1% 6.50%
8 Guaranteed RateChicago, IL B 62.3 score 280 8.9% 6.38%
9 Levo Federal Credit UnionSioux Falls, B 61.5 score 644 6.8% 7.50%
10 Cortrust MortgageSioux Falls, SD B 61.2 score 298 5.4% 6.13%
11 Dacotah BankAberdeen, SD B 60.3 score 512 5.9% 6.63%
12 CorTrust BankMitchell, SD B 60.0 score 313 6.7% —
13 American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ B 59.4 score 177 0.0% 6.38%
14 Plains Commerce BankSioux Falls, SD B 59.0 score 2,280 5.5% 6.25%
15 Freedom MortgageBoca Raton, FL B 56.7 score 343 7.6% 6.00%
16 Crosscountry MortgageCleveland, OH B 56.5 score 239 4.2% 6.75%
17 Reliabank DakotaEstelline, SD B 55.9 score 183 3.8% 6.75%
18 Gateway First BankJenks, OK B 55.1 score 199 4.5% 6.25%
19 Wells Fargo BankCharlotte, NC B 54.4 score 217 17.5% 6.50%
20 Service First Federal Credit UnionSioux Falls, SD B 53.8 score 181 6.6% —
21 First National BankPierre, SD B 53.0 score 247 8.9% —
22 Granite BankCold Spring, MN B 53.0 score 309 8.4% 6.25%
23 CU Mortgage DirectSioux Falls, SD B 52.7 score 236 7.6% 6.13%
24 Mortgage Research CenterColumbia, MO C 50.8 score 593 16.7% 6.25%
25 American Pacific MortgageRoseville, CA C 49.1 score 102 5.9% 6.50%
26 Pennymac Loan ServicesWestlake Village, CA C 47.0 score 345 9.6% 6.63%
27 Kind LendingIrvine, CA C 45.5 score 126 17.5% 6.38%
28 Coastal Community BankEverett, WA C 45.3 score 162 1.2% 9.49%
29 First Bank & TrustBrookings, SD C 45.3 score 1,320 11.2% 6.63%
30 Rocket MortgagePlymouth, MI C 43.7 score 1,027 16.9% 6.75%
31 First PREMIER BankSioux Falls, SD C 43.3 score 1,389 11.7% 6.88%
32 American Bank & TrustSioux Falls, SD C 43.0 score 613 11.9% 6.63%
33 Pioneer Bank & TrustBelle Fourche, SD C 42.8 score 180 8.3% —
34 Lakeview Loan ServicingCoral Gables, FL C 37.9 score 155 44.5% 6.25%
35 Voyage Federal Credit UnionSioux Falls, SD C 37.5 score 113 12.4% —
36 Nationstar MortgageCoppell, TX C 34.6 score 131 13.7% 8.25%
37 Black Hills Community BankRapid City, SD C 34.5 score 167 9.6% —
38 Figure LendingCharlotte, NC C 33.8 score 146 34.9% 7.85%
39 Loandepot.ComIrvine, CA D 32.9 score 164 34.2% 6.75%
40 Citizens BankProvidence, RI C 32.7 score 143 23.1% 6.88%
41 Farm Credit Mid-AmericaLouisville, KY D 32.0 score 143 12.6% 7.00%
42 U.S. BankCincinnati, OH D 29.4 score 637 24.0% 6.99%
43 Broker SolutionsTustin, CA D 28.6 score 193 16.6% 6.63%
44 NewrezWilmington, DE D 28.2 score 347 19.3% 6.25%
45 First Interstate BankBillings, MT D 27.8 score 615 26.2% 8.25%
46 Sofi BankCottonwood Heights, UT D 25.7 score 121 5.8% 7.93%
47 Navy Federal Credit UnionVienna, VA D 23.6 score 191 17.8% 6.38%
48 Triad Financial ServicesJacksonville, FL D 21.6 score 126 48.4% 8.80%
49 Black Hills Federal Credit UnionRapid City, SD D 19.7 score 1,223 23.0% 7.75%
50 AmeriSave MortgageSandy Springs, GA D 16.7 score 239 60.7% 8.31%

How this list is built

Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.