Home financing in Codington County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Codington County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Codington County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
Based elsewhere, with a member-facing office inside the Codington County line. You can walk in.
- Dakotaland Credit UnionPersonal · Home · Business capital
- Northeast South Dakota Economic Corp.Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
2 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.

Buying a home in Codington County, South Dakota is an achievable goal for solo contractors, working families, and small investors — including those who use an ITIN instead of a Social Security Number. This guide walks you through what home financing looks like here, who qualifies, what documents you'll need, and which local lenders and programs actually serve the Watertown area. We also flag the predatory patterns that trip up many first-time buyers so you can steer clear of them.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN CODINGTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN CODINGTON COUNTY →26SD COUNTIES WITH DOORSThe whole stateEvery county in South Dakota, in this same lane.15 institutions fund home financing inside South Dakota county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.

