Top 3 Mortgage Lenders in Saint Francis

Dacotah Bank stands as one of South Dakota's most established and respected regional lenders with deep roots serving rural communities across the state. While headquartered in Aberdeen, they have extensive experience serving the Saint Francis area and understand the unique needs of rural South Dakota homebuyers. Their mortgage team receives exceptional ratings for personalized service, local decision-making, and expertise with USDA rural development loans that are particularly relevant for the Saint Francis market. With over a century of community banking experience, they offer competitive rates and have built a reputation for making the mortgage process smooth and transparent.

Plains Commerce Bank has developed a strong reputation across South Dakota for their agricultural and rural lending expertise, making them an excellent choice for the Saint Francis area. Their mortgage division specializes in serving smaller communities and understands the unique aspects of rural property financing. They receive consistently high marks for their responsive service, knowledgeable loan officers, and competitive rates for both purchase and refinance transactions. The bank has particular strength in construction and land loans, which are common needs in rural South Dakota markets.

As South Dakota's largest credit union, BHFCU has a statewide presence and serves members throughout the Saint Francis area with competitive mortgage products and exceptional member service. They consistently earn high customer satisfaction ratings for their low fees, competitive interest rates, and personalized approach to mortgage lending. Their loan officers have particular expertise with first-time homebuyer programs and USDA rural housing loans that are well-suited for the Saint Francis market. With decades of experience serving South Dakota communities, they offer the combination of local understanding and financial strength that rural homebuyers value.