South Dakota Mortgage Loans

Andrew Baker is a licensed mortgage loan originator serving South Dakota through West Capital Lending, Inc. As a broker rather than a bank, your loan is shopped across a wholesale lender network — so South Dakota borrowers are matched to the program and pricing that fit, not to one institution’s product shelf.

Are you licensed in South Dakota?

Yes. Andrew Baker, NMLS 2688601, originates in South Dakota through West Capital Lending, Inc., NMLS 1566096. South Dakota is one of 33 licensed states — 28 where the full range of loan types is available and 5 limited to investment property loans. South Dakota borrowers have access to the full program set.

What loan programs are available in South Dakota?

Conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse mortgages, DSCR investor loans, and bank statement loans are all available in South Dakota. As a broker with 175+ wholesale lender relationships, Baker Lending can place a file in South Dakota with whichever lender's guidelines fit the borrower.

What is the conforming loan limit in South Dakota for 2026?

The 2026 baseline conforming limit is $832,750 for a one-unit property in most South Dakota counties. Designated high-cost counties run higher, up to a ceiling of $1,249,125. Amounts above your county's limit are financed as jumbo loans. FHA limits in South Dakota start at a floor of $541,287 and vary by county.

Which South Dakota cities do you serve?

Baker Lending serves borrowers statewide in South Dakota, with dedicated pages for Pierre, Rapid City, Sioux Falls. Because the process runs by phone, e-sign, and secure upload, location inside the state is not a limitation — any South Dakota property address can be financed under the same licensing.