Home Loans

A family with a hand-drawn picture of their home

Invest in Your Dreams

Found your dream home or need to refinance your current home? At First Dakota National Bank, we understand this important life step, and we offer custom-tailored financing to fit your mortgage needs.

Let us walk you through the steps of choosing a mortgage. Our local expertise ensures you receive the mortgage amount and rates you deserve. Plus, we’re proud to have over 100 years of combined experience.

Mortgage Types

Not sure what mortgage you need? Not to worry. Our experienced home mortgage bankers offer personal assistance in financing or refinancing. We’ll explain each mortgage, and find the right one for you. 

Mortgage Programs

  • South Dakota Housing Loans for first-time homebuyers and repeat homebuyers
  • Construction Loans
  • FHA & VA Approved Lender
  • Rural Development Lender
  • Fixed and adjustable rate mortgages
  • Competitive rates & terms

Refinance with Us

Is your current mortgage rate 4% or higher? Stop paying more for your monthly home payment than you need to. Call our mortgage lenders at First Dakota National Bank to chat about your refinance options.  

Let’s Talk about Your Dreams

Prequalify for a mortgage, or contact one of our home mortgage bankers if you prefer a more personal touch. Visit our mortgage pages to find more helpful information.

Nationwide Mortgage Licensing System and Registry Unique Identifying Numbers for First Dakota National Bank.

First Dakota National Bank is currently originating loans in the following areas:

South Dakota counties: Aurora, Bon Homme, Brule, Buffalo, Charles Mix, Clay, Codington, Davison, Douglas, Gregory, Haakon, Hanson, Hughes, Hutchinson, Hyde, Jerauld, Lake, Lincoln, Lyman, McCook, Miner, Minnehaha, Moody, Potter, Sanborn, Stanley, Sully, Tripp, Turner, Union, Yankton

Iowa counties: Lyon, O'Brien, Osceola, Plymouth, Sioux

Minnesota counties: Nobles, Pipestone, Rock

Nebraska counties: Adams, Antelope, Cedar, Dixon, Holt, Knox

First Dakota National Bank is an Equal Housing Lender.

Prequalify Online

Use our quick, easy prequalification application to see your personalized mortgage amount and interest rate.

Home Loan Checklist

Review our helpful checklist for home loan seekers before beginning the mortgage application process.

Our Mortgage Team

We’re here to help you account for your dreams. Meet our mortgage team, read their biographies, and reach out to us anytime.

Mortgage Testimonials

Read what happy customers have to say about First Dakota National Bank.

Mortgage FAQs

Browse the most common questions we get from customers who apply for mortgages.

NMLS and Registry

Nationwide Mortgage Licensing System and Registry- Unique Identifying Numbers for First Dakota National Bank.

Personal Banking

Choose a local bank who supports your dreams. Since 1872, we’ve prided ourselves on offering you the hometown touch, complete with unparalleled customer service. Open an account for your dreams with First Dakota National Bank.

Contact Us