Top 3 Mortgage Lenders in Brookings

First Source Financial is Brookings' premier local mortgage lender with deep roots in the community. As a division of First Bank & Trust, they offer the personalized service of a local institution combined with the resources of a regional financial powerhouse. They consistently receive exceptional ratings for their knowledgeable loan officers, competitive rates, and streamlined mortgage process. Specializing in both purchase and refinance loans, they have particular expertise with USDA rural development loans perfect for the Brookings area. Their local underwriting and decision-making process allows for faster closings and personalized attention that national lenders can't match.

First Bank & Trust has been serving the Brookings community for decades with a comprehensive range of mortgage products. As a locally-managed institution with regional strength, they offer the stability of an established bank with the personal touch of a community lender. Their mortgage team includes experienced professionals who understand the unique South Dakota real estate market. They excel at first-time homebuyer programs, construction lending, and providing competitive rate options. Customers consistently praise their responsive service, transparent communication, and ability to navigate complex loan scenarios with expertise.

While based in Fargo, Gate City Bank has established a strong presence throughout South Dakota, including serving the Brookings market with exceptional mortgage services. They consistently rank among the highest-rated mortgage lenders in the region, known for their outstanding customer service and competitive rates. Their "No-Cost Mortgage" option is particularly popular, saving borrowers significant upfront costs. Gate City Bank receives widespread praise for their efficient processing, knowledgeable loan officers, and commitment to community values. They have extensive experience with South Dakota-specific programs and understand the local market dynamics affecting Brookings homebuyers.