Top 3 Mortgage Lenders in Saint Francis

First National Bank of Omaha has maintained a strong physical presence in Saint Francis for decades, offering personalized mortgage services with local decision-making. As one of the oldest and most established financial institutions serving Northwest Kansas, they provide competitive rates and deep community knowledge. Their mortgage team specializes in agricultural and rural property financing, making them particularly well-suited for the Saint Francis area. With exceptional customer service ratings and the ability to handle complex rural property transactions, they're a top choice for local homebuyers.

Sunflower Bank has deep roots in Western Kansas and maintains a dedicated branch in Saint Francis with experienced mortgage professionals. They excel in USDA Rural Development loans, which are particularly valuable in this region, and offer competitive first-time homebuyer programs. Their local loan officers understand the unique property values and market conditions of Cheyenne County. With strong community involvement and personalized service approach, Sunflower Bank consistently receives high marks for making the mortgage process straightforward and transparent for rural Kansas residents.

Guild Mortgage has established a strong presence across Kansas with specialized expertise in rural and agricultural community lending. While not physically located in Saint Francis, they actively serve the area with mobile mortgage specialists who travel to clients. They're particularly noted for their exceptional VA loan processing and USDA rural development expertise. Guild receives consistently high ratings for their digital mortgage process combined with personal service, making them accessible to Saint Francis residents despite not having a local branch. Their long-standing reputation and wide product selection make them a top regional choice.