# Best Mortgage Lenders for USDA Loans in South Dakota - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top USDA mortgage lenders in South Dakota across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** South Dakota
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **Total Lenders in Market:** 62
- **Total Loan Volume:** 8,496
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [First Dakota National Bank](https://saferate.com/lenders/first-dakota-national-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 2 | [Dacotah Bank](https://saferate.com/lenders/dacotah-bank) | Bank | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 3 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 4 | [First Bank & Trust](https://saferate.com/lenders/first-bank-trust) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 5 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 6 | [First International Bank & Trust](https://saferate.com/lenders/first-international-bank-trust) | Bank | Strong 😀 | Sound ☺️ | Exceptional 🤩 |
| 7 | [American Bank & Trust](https://saferate.com/lenders/american-bank-trust) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 8 | [BANKWEST, INC.](https://saferate.com/lenders/bankwest) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 9 | [Gateway First Bank](https://saferate.com/lenders/gateway-first-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/south-dakota/best-mortgage-lenders/banks/usda-loans)