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Looking for a mortgage lender in Watertown? Review the directory below to compare your options.
18 agents listed
Updated May 2026
Watertown, SD
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the South Dakota before hiring.
Showing 18 mortgage lenders in Watertown, SD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Dakotaland Federal Credit Union Watertown
1101 9th Ave SE, Watertown, SD 57201
6058845775
Sarah E Erickson | Fairway Independent Mortgage Corporation Loan Officer
114 W Kemp Ave, Watertown, SD 57201
6057530136
Reliabank
830 10th St SW, Watertown, SD 57201
6058867700
Reliabank
1401 4th St NE, Watertown, SD 57201
6058866000
Fairway Independent Mortgage Corporation
114 W Kemp Ave, Watertown, SD 57201
6057530136
OneMain Financial
1040 29th St SE, Watertown, SD 57201
6058863770
American Bank & Trust
1715 1st Ave NE, Watertown, SD 57201
6058685450
Plains Commerce Bank
109 1st Ave SE, Watertown, SD 57201
6058866966
First Interstate Bank
35 1st Ave NE, Watertown, SD 57201
6058868401
First Bank & Trust | Watertown, SD
1120 9th Ave SE, Watertown, SD 57201
6058828320
Great Western Bank
624 5th St SE, Watertown, SD 57201
6058868401
First Interstate Bank
624 5th St SE, Watertown, SD 57201
6058845370
First PREMIER Bank
824 34th St SE, Watertown, SD 57201
6058822300
Bob Boes - Reliabank Mortgage - NMLS# 404159
1401 4th St NE, Watertown, SD 57201
6058844445
Wells Fargo Home Mortgage - Linda Larson
20 N Maple, Watertown, SD 57201
6058827144
Farm Credit Services of America
1114 29th St SE, Watertown, SD 57201
6058824030
First Dakota Loan Production Offices
200 E Highland Blvd # 1, Watertown, SD 57201
6057535880
Landera
513 10th St NW A, Watertown, SD 57201
6057535880
Mortgage lenders in Watertown, South Dakota help homebuyers secure financing for residential properties. South Dakota law does not require a state license for individual mortgage loan originators who work for a federally insured depository institution. Local lenders can guide you through conventional, FHA, VA, and USDA loan programs available in Codington County.
What Does a Mortgage Lender in Watertown Cost?
Typical costs for a mortgage lender in South Dakota include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,000. Closing costs generally range from 2% to 5% of the purchase price. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Watertown?
You typically need pay stubs, tax returns, bank statements, and proof of identification. South Dakota lenders also require a property appraisal and title search as part of the process.
Are there first-time home buyer programs in South Dakota?
Yes, the South Dakota Housing Development Authority offers the First-Time Homebuyer Program with down payment assistance. This program is available to qualified buyers in Watertown and across the state.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the South Dakota.