Top 3 Mortgage Lenders in Spencer

First Bank & Trust is one of South Dakota's most established and trusted financial institutions with a strong presence throughout the state. While based in Sioux Falls, they serve clients across South Dakota including Spencer area. Their mortgage team, led by experienced professionals like Scott Buechler, provides personalized service with deep knowledge of rural and agricultural lending needs. They offer competitive rates and have exceptional customer satisfaction ratings, making them a top choice for Spencer residents seeking reliable mortgage financing with local decision-making.

Plains Commerce Bank has built an outstanding reputation for serving South Dakota's rural communities with specialized mortgage products perfect for Spencer area residents. They excel in agricultural and rural property financing with local underwriters who understand the unique needs of smaller communities. Their USDA loan expertise is particularly valuable for Spencer homebuyers, and they're known for competitive rates and flexible terms. With numerous positive reviews highlighting their responsive service and local expertise, they're a premier regional mortgage lender.

Great Western Bank has deep roots in the Midwest with extensive experience serving South Dakota communities. They maintain a strong physical presence throughout the region with dedicated mortgage specialists who understand rural housing markets like Spencer. Known for their competitive rates and wide range of loan options, they particularly excel with first-time homebuyer programs and USDA rural development loans. Their long-standing commitment to South Dakota communities and consistently high customer satisfaction ratings make them a reliable choice for Spencer area mortgages.