Top 3 Mortgage Lenders in Hayward

Bremer Bank stands out as a top-rated regional mortgage lender with deep roots in southern Minnesota communities. While headquartered in Owatonna (approximately 20 miles from Hayward), they actively serve the entire region including Freeborn County. Their mortgage team receives exceptional reviews for personalized service, local decision-making, and competitive rates. As an established community bank with over 80 years of service, they offer the stability of a large institution with the personal touch of a local lender. Their expertise with rural properties and agricultural lending makes them particularly well-suited for Hayward area homes.

Sterling State Bank has built an outstanding reputation throughout southern Minnesota, including consistent service to Hayward residents. Located in nearby Albert Lea (approximately 15 miles away), they specialize in rural and small-town mortgage lending with exceptional customer satisfaction ratings. Their mortgage team is praised for responsive communication, streamlined processes, and competitive rural lending programs. As a community-focused institution, they understand the unique needs of Freeborn County homebuyers and offer specialized construction and lot loan programs ideal for the Hayward market.

Think Mutual Bank (formerly Think Federal Credit Union) has expanded to serve multiple southern Minnesota communities, including Hayward through their Rochester headquarters. With over 85 years of financial service experience, they've developed one of the region's most respected mortgage departments. Customers consistently praise their competitive rates, educational approach to homebuying, and exceptional customer service. Their strong USDA and rural lending programs make them an excellent choice for Hayward area properties. While based in Rochester (approximately 45 miles away), they actively serve Freeborn County with both in-person and digital mortgage services.