Top 3 Mortgage Lenders in Garden City

North American Savings Bank has built an exceptional reputation throughout North Iowa with over 40 years of mortgage lending experience. While headquartered in Mason City (approximately 30 minutes from Garden City), they serve the entire North Iowa region with competitive rates and personalized service. They consistently receive high marks for their knowledgeable loan officers, streamlined application process, and commitment to local communities. Their extensive experience with rural property financing makes them particularly well-suited for Garden City area homes.

As a community-focused credit union serving North Iowa for over 85 years, Citizens Community Credit Union has deep roots in the Garden City service area. They offer competitive mortgage rates to members and are particularly praised for their first-time homebuyer programs and construction loans. Their local decision-making process and personalized approach to mortgage lending have earned them consistently high customer satisfaction ratings. The credit union structure often provides better terms and lower fees than traditional banks.

First Citizens National Bank is one of the oldest and most established financial institutions in North Iowa, serving the Garden City area with comprehensive mortgage services. With over 150 years of community banking experience, they offer exceptional local expertise in rural and agricultural property financing. Customers consistently praise their responsive service, competitive rates, and deep understanding of the local real estate market. Their construction-to-permanent loans are particularly popular for new home builds in the Garden City region.