Mortgage Lenders and Brokers in Sturgis, 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
Sturgis, South Dakota mortgage lenders include Pioneer Bank & TrustPioneer Bank & Trust2611 Lazelle St, Sturgis, SD 57785A+5.0 ★Texas Ratio: 0.74%, Northern Hills FCUNorthern Hills FCU1080 MAIN ST, STURGIS, SD 57785A+5.0 ★Texas Ratio: 2.48%, First Interstate BankFirst Interstate Bank1200 Main St, Sturgis, SD 57785A+5.0 ★Texas Ratio: 4.72%, First National BankFirst National Bank955 Main St, Sturgis, SD 57785A+5.0 ★Texas Ratio: 2.40%, Black Hills Federal Credit UnionBlack Hills Federal Credit Union1020 Lazelle St, Sturgis, SD 57785A+5.0 ★Texas Ratio: 0.00%, Plains Commerce BankPlains Commerce Bank524 S Dakota St, Aberdeen, SD 57401A5.0 ★Texas Ratio: 9.09%, Bankwest, Inc.Bankwest, Inc.703 Main Ave, Armour, SD 57313C+4.1 ★Texas Ratio: 26.29%, US Bank, N.A.US Bank, N.A.320 S 1st St, Aberdeen, SD 57401A+5.0 ★Texas Ratio: 2.85%, First Bank & TrustFirst Bank & Trust2233 6th St, Brookings, SD 57006A+5.0 ★Texas Ratio: 3.79%, and Black Hills Community Bank, NABlack Hills Community Bank, NA840 Mount Rushmore Rd, Rapid City, SD 57701. 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 Sturgis, South Dakota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sturgis 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 Sturgis, South Dakota
Market share is the lender's share of all home loans closed in Sturgis, 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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1 office in Sturgis 2611 Lazelle St, Sturgis, SD 57785 A+5.0 ★Texas Ratio: 0.74% |
Conventional, VA | 8 | 4.8% | 100% | $321,250 | View |
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1080 MAIN ST, STURGIS, SD 57785 A+5.0 ★Texas Ratio: 2.48% |
Conventional | 3 | 1.8% | 100% | $121,666 | View |
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★ 1 stars, 1 review 1 office in Sturgis 1200 Main St, Sturgis, SD 57785 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, HELOC | 2 +7 HELOCs |
1.2% | 100% | $460,000 | View |
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1 office in Sturgis 955 Main St, Sturgis, SD 57785 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
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1020 Lazelle St, Sturgis, SD 57785 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA, HELOC | 12 +7 HELOCs |
7.2% | 92.9% | $237,500 | View |
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524 S Dakota St, Aberdeen, SD 57401 A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 5 | 3% | 100% | $357,000 | View |
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703 Main Ave, Armour, SD 57313 C+4.1 ★Texas Ratio: 26.29% |
Conventional | 3 | 1.8% | 100% | $195,000 | View |
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320 S 1st St, Aberdeen, SD 57401 A+5.0 ★Texas Ratio: 2.85% |
VA, HELOC | 1 +2 HELOCs |
0.6% | 100% | $445,000 | View |
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2233 6th St, Brookings, SD 57006 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.6% | 100% | $385,000 | View |
Black Hills Community Bank, NA
840 Mount Rushmore Rd, Rapid City, SD 57701 |
Conventional | 1 | 0.6% | 50% | $185,000 | |
Aspen Federal Credit Union
4956 5th St, Rapid City, SD 57701 |
Conventional | 1 | 0.6% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA, VA | 28 | 16.9% | 100% | $230,357 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA, HELOC | 19 +1 HELOCs |
11.4% | 100% | $297,631 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 16 | 9.6% | 88.9% | $327,500 | |
Rocket Mortgage
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Conventional, FHA, VA | 8 | 4.8% | 72.7% | $221,250 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 7 | 4.2% | 100% | $310,714 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 3% | 100% | $217,000 | |
Servion
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Conventional, VA | 4 | 2.4% | 100% | $282,500 | |
American Financial Resources LLC
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Conventional, USDA | 3 | 1.8% | 100% | $215,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 3 | 1.8% | 100% | $228,333 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 1.8% | 57.1% | $381,666 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA, VA | 3 | 1.8% | 100% | $198,333 | View |
Mortgage Research Center
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VA | 3 | 1.8% | 60% | $325,000 | |
Newrez LLC
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Conventional | 2 | 1.2% | 100% | $215,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 1.2% | 100% | $340,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $315,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.2% | 100% | $160,000 | |
Polaris Home Funding Corp.
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VA | 1 | 0.6% | 100% | $205,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $425,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.6% | 33.3% | $295,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $245,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 50% | $45,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 100% | $105,000 | |
American Financing Corporation
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Conventional | 1 | 0.6% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 6.13% |
Conventional | 1 | 0.6% | 100% | $415,000 | View |
Franklin Loan Corporation
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Conventional | 1 | 0.6% | 100% | $245,000 | |
American Pacific Mortgage Corporation
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USDA | 1 | 0.6% | 50% | $305,000 | |
Nationstar Mortgage
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FHA | 1 | 0.6% | 100% | $315,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.6% | 100% | $205,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.6% | 100% | $315,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Navy Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $135,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.6% | 100% | $235,000 | View |
21St Mortgage
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Conventional | 1 | 0.6% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Sturgis 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 Sturgis, South Dakota
Looking for mortgage lenders near me or mortgage brokers near me in Sturgis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sturgis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sturgis, SD
Use these to narrow the list above. Each category shows how many Sturgis, SD lenders fit and what that kind of lender is usually best for.
Who Lends in Sturgis, SD
Independent mortgage companies closed 55.4 percent of home loans in Sturgis, South Dakota in 2025, banks 34.3 percent and credit unions 10.2 percent. Cmg Mortgage Inc was the largest mortgage company, Pioneer Bank & Trust the largest bank and Northern Hills FCU the largest credit union. Among lenders headquartered in South Dakota, Pioneer Bank & Trust led with 8 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 Sturgis, SD
By home loans closed in 2025, Pioneer Bank & Trust was the largest mortgage lender in Sturgis, South Dakota with 8 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Sturgis, South Dakota in 2025, led by Cmg Mortgage Inc with 9. 18 lenders closed VA loans, led by United Wholesale Mortgage, and 2 closed USDA rural loans. 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. 16 banks and 4 credit unions closed home loans in Sturgis, South Dakota in 2025, alongside 27 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 Sturgis, 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 Sturgis, 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 Sturgis. 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.
