8 top-rated mortgages available in South Dakota. Compare 30-year, 15-year, FHA, and VA mortgage rates from top lenders — ranked by rate, fees, and overall value.
VA mortgage specialist for military members. No PMI, 0% down available, and consistently competitive rates.
Fully online mortgage with fast pre-approval. Best for digital-first buyers.
No commission lenders. Rate lock guarantee. Best for rate-focused buyers.
FHA and non-QM specialist with bilingual support and a 580+ credit score minimum for some programs.
Digital-first lender known for a transparent rate-lock guarantee and broad loan program coverage.
Big-bank mortgage with relationship rate discounts and in-branch support in all 50 states.
Regional bank with competitive conventional and FHA rates, plus specialized programs for doctors.
High-volume online lender with a fully digital application and a wide range of loan types.
Navy Federal Credit Union Mortgage is a top-rated option for South Dakota residents with APRs from 6.10%–7.80%. Most online lenders are available nationwide including South Dakota.
Most lenders offering mortgages in South Dakota require a credit score of 600+ for approval, with the best rates typically available to borrowers with 720+ scores. A debt-to-income ratio under 40% and stable income also improve approval odds.
Rates depend on creditworthiness · Approval not guaranteed · Q1 2026