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Our Mission Statement

To demonstrate leadership through integrity, knowledge and dedication to our clients and business partners.  

We Are Ready To Help

Our Story

Lend Smart Mortgage has operated as a mid-sized, locally owned retail lender since its inception in 2006. We have made several acquisitions over the years to continue our planned growth and expand our licensing base.

We are direct lenders and seller/servicers with both Fannie Mae and Freddie Mac which means we control the entire mortgage process from start to finish. Not only does that make a difference in the service level we can provide to our customers, but it also makes a difference in the price we can offer our clients as there is no middle-man eating away at profits.

We have worked hard to create the right balance between personal communication and technology to improve the borrower experience. Your experience becomes your choice. If you prefer to use our mobile app to do everything from applying for your loan to uploading your documents or even signing your documents, you can do that. If you prefer to speak with knowledgeable experts the entire way through, you can do that too. This improved borrower experience is why you will find us so highly recommended by past clients and positively reviewed online. Simply put, we are different, and you will feel that during your mortgage journey.

Our motto has always been “big company offerings with a small company feel.” Being mindful of this culture is one of the reasons that our employees and customers remain so loyal. We look forward to working with you and appreciate the opportunity to earn your business.

Making It Easy to Close a Loan.

Our Smart Loan app allows you to:

Scan and upload documents

E-sign documents

Use mortgage calculators and save

Contact you through the chat feature

View real-time loan status progress

Apply Now

5.5 Years

Average Tenure of Employees

59%

of Employees Stay after 7 Years

Join Our Team

33%

of Employees Stay after 10 Years

#Testimonials

We Love Our Customers

John G.
John G.
We had a great experience using this company. Talia Schalkle did an excellent job! I have worked with her several times and she always makes the process flow smoothly. Highly recommend using her and this company.
Jim W.
Jim W.
Tony Machometa and his team were a joy to work with. They kept in contact when there was a change or how the process was going. We highly recommend Lend Smart Mortgage to any one needing a home loan or a refinance.
Kathy C.
Kathy C.
Working with Noe made purchasing a home smooth as possible. I had countless questions and he answered each and every question with as much detail and in a easy way to understand.
Yee C.
Yee C.
Babette was very helpful in my loan process. She communicated with me throughout the whole process and made it so much easier. Thank you so much for everything.
Allison S.
Allison S.
Lend Smart Mortgage made my first time buying a home a breeze. I personally worked with John and would like to thank him for everything. He was on top of things, understanding, and thorough. John was always available and had great communication. I overall had a wonderful experience with this company.
Spencer B.
Spencer B.
Colin was absolutely amazing to work with. His knowledge and expertise is unmatched. He has such a wonderful way of making what can seem daunting and overwhelming feel very approachable. We are grateful that we found Colin, and would recommend him to anyone!
Drew L.
Drew L.
Max and team were great to work with, and very quick to answer questions which helped the process move along at a great pace.
Michael K.
Michael K.
Sheila was such a joy to work with. I had a particularly difficult loan to qualify for, as I'm self employed in the restaurant business, and after Covid my returns were shaky at best. But Sheila communicated with me throughout the entire transaction and we not only got approved for the mortgage, but I was able to close on the property 5 days early! Would highly recommend!!
tenisha N.
tenisha N.
Our pleasure to work with you! ❤️
Kaylah F.
Kaylah F.
Chris was extremely helpful, communicative and did a great job at explaining things. I came to Chris mid contract after having a horrible experience with another lender where my trust was completely gone and he was super understanding, patient and was never annoyed whenever I had questions or would check in to see what was needed of me. I cannot begin to express my gratitude to Chris for just simply being patient and kind towards me.
robert C.
robert C.
I would highly recommend them fast and easy process.
Realist
Realist
Being a first time home buyer was overwhelming until I started working with Tonius Frank he reassured me I can do it, Tonius was straight forward, patient, professionaland strict lol. Tonius wanted to see me win this race and that's exactly what I needed. Thanks again Tonius Frank for everything, you are the BEST at what you do.
Jeffrey J.
Jeffrey J.
Bobby was amazing to work with every step of the loan process. He was always there to answer my questions, even on the weekends! Bobby made the loan process very easy for us, and helped us get to where we needed to be. He was extremely helpful and we were lucky to have worked with him. We will definitely refer him to our friends and family!!
Adam N.
Adam N.
Chris at Lend Smart was super helpful, knowledgeable, and easy to work with. I highly recommend him to anyone looking to purchase a home. Thank you Chris!
Sheri P.
Sheri P.
Charissa Myers, was amazing, going above and beyond for me. Listening and hearing my concerns and answering my questions, honestly. I highly recommend, Charissa Myers!
David C.
David C.
Polite and respectful. Chris and melanie responded in a timely manner and answered all the questions I had. I had a great experience.
Susan A
Susan A
Very Happy ! They help me to buy , very professional all of them ! Thank you Patricia Barrientos ,We are 3 different friends that she helped us to buy a property ! We are so happy with our broker! Thank you !
Fredy G.
Fredy G.
Leaving this review in gratitude with Tonius, Ela and their team. They’re very efficient and attentive to their clients, they helped us with all the questions we had and made the sometimes stressful process of buying a home much less stressful. Really recommend them they’re very professional.
Laraina F.
Laraina F.
John made everything so easy! I appreciate him very much for helping me get my first home!!
Sury R.
Sury R.
We had a complex loan approval and Buffy patiently worked with us and the underwriters to get us the approval on time !
Kattie N.
Kattie N.
Chris was great to work with! We closed quickly and the communication was great. Thanks!
Tim S.
Tim S.
Farron is the most knowledgeable person about getting a loan that I have ever talked to. If it weren't for him I'm sure I would've messed everything up. He answered my calls at anytime of the day and also called just to check in.
Jeff and Angela Badgett (The Badgett F.
Jeff and Angela Badgett (The Badgett F.
Great experience. Steve works hard for his clients. He helps you make informed decisions. And, is very personable.I would highly recommend Steve and LendSmart Mortgage. Closing was quick and easy!!
Sergio
Sergio
Chet and Monica guided me thru the step-by-step. I'll like to thank them for all their help.
Kerrbear
Kerrbear
Bobby and Dan have excellent communication skills, no hidden fees and kept me up to date throughout the entire process. They gave excellent advise on easy ways to positively impact my credit score and provided a list of items I would need in advance to ensure a speedy and seamless approval process. Highly recommend!
Audra S.
Audra S.
I want to thank Tonius and his team for being prompt and very professional. No question was dumb, and they explained the full process from beginning to end and made my dream a reality. The overall process took three weeks, and my overall experience was excellent.
VIv S.
VIv S.
Sloan is an excellent mortgage guy!! He is smart, savvy and explained all stages of my refi perfectly so that I was never stressed. He is my go-to guy!!
Michelle H.
Michelle H.
Charissa Myers is absolutely amazing. She walked me through every step. Our communication was wonderful. She answered every question i ever had. She made the loan process very easy and i never had to worry. Thanks to her i am finally a home owner. I highly recommend her.
Megan B
Megan B
Mallory was amazing and handled everything with great professionalism! She answered all my questions I had about getting my loan and was very friendly and pleasant to work with
Peter S.
Peter S.
Turned to Bobby Murray for my refinancing needs. The handsome son of a gun took to it immediately and led me through the process! From inquiry to closing in no time flat!
Saul L.
Saul L.
Jeremiah was great to work with! He answered every question we had, and made the house buying process extremely easy. He was there to answer questions 24/7, and we closed on our home earlier then what we had been told! I would definitely be coming back for future services; highly recommend!
MK Y.
MK Y.
Dan was a wonderful partner throughout our home buying process. He provided valuable advice and guidance and worked seamlessly with our real estate professional. Dan made the entire experience stress-free and was a pleasure to work with.
Danielle T.
Danielle T.
Bobby was very attentive and answered all of my questions. He walked me through each step and everything went smooth. I definitely recommend Lend Smart and Bobby! Thank you for your help!
Mikki S.
Mikki S.
Thanks to Colin Cherry at LendSmart, we were able to realize our dream with the least amount of stress possible. Colin’s ability to give us options was amazing! Having options gave us the confidence to move quickly and aggressively to realize our dream. He doesn’t take the easy route - he unlocked what I had been told was not possible. Thank you, Colin!
Paige R.
Paige R.
Charissa is Amazing! She was very patient with us while looking for a home and helped us in every way she could to help us achieve the home goal we wanted. I will refer her any chance I get. And it seemed that her team helped to make everything go as smoothly as possible. I was so afraid of the process but it has been more than great to have worked with you.I can't thank you enough for all the help you have provided me and my family.Thank you, thank you.
Sajjad K.
Sajjad K.
Bill Barringer is the most knowledgeable person about loans and mortgage I have ever seen in my life. without his help we wouldn't be able to get our dream house. most honest straight forward person with no gimmick no nonsense game. no matter what is your financial situation if there is a way to get a loan bill will find it for you, but if he said he can not do your loan there is no one else in the world can help you he is that good. on the process of the loan I had situation came up that I was afraid of but bill assured me not to worry and how to get those situation taken care of. the way he took care my loan I felt like he is my family member helping me. Lend Smart Mortgage, LLC is very lucky to have a person in their company who is able to help those who in need of a loan. Bill my wife and I thank you from bottom of our heart. we appreciate your help with our loan.
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#How We Work

DIGITAL EXPERIENCE

We are committed to providing our customers with exceptional service while offering our employees the best training.

#Our Benefits

WHY CHOOSE US

We are committed to providing our customers with exceptional service while offering our employees the best training.

Purchase & Refinance

Whether your a first time home-buyer or looking for another investment property, know that Lend Smart Mortgage, LLC will take care of you. We have helped thousands of customers find their dream property or simply refinance their existing home.

Purchase Refinance

Career

Lend Smart Mortgage, LLC is a national mortgage lender who has recruited and trained some of Americas top mortgage experts. If you have what it takes to join our elite team, we want to hear from you today!

Join Now

Our Locations

From MInnesota to Arizona and back to South Dakota, Lend Smart Mortgage, LLC has 23 offices throughout the United States that service customers nationally. Check out our branch locations and our Loan Originators by state.

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