Top 3 Mortgage Lenders in Elkton

First Bank & Trust has been serving South Dakota communities for over 30 years and is one of the most trusted regional lenders in eastern South Dakota. With a strong presence in Brookings (approximately 30 minutes from Elkton), they specialize in rural and agricultural lending while offering competitive rates and personalized service. Their mortgage team has extensive experience with USDA loans which are particularly relevant for Elkton homebuyers, and they're known for their local decision-making and community-focused approach.

Home Federal Bank has been serving South Dakota homeowners since 1934 and maintains a strong reputation for mortgage lending throughout eastern South Dakota. While based in Sioux Falls (approximately 45 minutes from Elkton), they actively serve rural communities like Elkton with specialized knowledge of South Dakota housing markets. They're particularly noted for their first-time homebuyer programs and competitive construction loan options, with many customers praising their responsive service and local underwriting expertise.

Sioux Falls Federal Credit Union serves members across multiple counties in eastern South Dakota, including Moody County where Elkton is located. They offer competitive mortgage rates typically below national averages and are known for their member-focused approach and educational resources for first-time homebuyers. Their mortgage specialists have particular expertise with rural properties and agricultural-area lending, making them well-suited for Elkton residents seeking personalized service with the benefits of credit union membership.