Jumbo Loan and Super jumbo Limits for Spencer, Clay County, Iowa

In Spencer county of Clay, IA, obtaining a jumbo loan that exceeds $726,200 requires a minimum down payment of 10%. Lendersa® provides a detailed list that includes portfolio and Non-QM lenders capable of arranging jumbo loans up to $3,000,000. Individuals with high net worth may also secure super jumbo loans, reaching up to $35,000,000.

Conforming high-balance loan limits are as follows: $726,200 for a single-family residence, $929,850 for two-unit homes, $1,123,900 for three-unit properties, and $1,396,800 for four-unit buildings.

Use our Jumbo mortgage rate calculator to explore current rates and determine the required down payment, income prerequisites, credit score, reserves, and documents needed to qualify.

Check loan offers from a selection of 100 lenders

Discover Jumbo Loan Options in Spencer, IA

The aim at Lendersa® is to find the most fitting jumbo loan based on your specific financial conditions. Start by selecting one of three pathways designed to match you with suitable lenders and loan programs.

The Lendersa® Jumbo mortgage calculator allows you to compare different lenders to see who offers the best current refinance rates or supports purchasing a Jumbo loan between $1,500,000 and $25,000,000.

Lendersa® swiftly gathers data from thousands of Jumbo lenders, analyzing it against your unique financial profile to meet your needs quickly.

Lendersa loan request and matching results

To find the exact distance between the jumbo lenders to your property, enter the property address or location here:



  • Dakota Business Finance
  • 500 N. Western Avenue, Suite 100, Sioux Falls, SD, 57104
  • In April 2006, Dakota BUSINESS Finance was designated as a Certified Development Company (CDC) by the Small Business Administration and began offering the SBA 504 program to businesses throughout South Dakota. The territory was later expanded to include portions of IA, MN, and NE.
  • Great Western Mortgage
  • 225 S Main Ave, Sioux Falls, SD, 57104
  • Great Western Bank (NYSE:GWB) is a full-service regional bank focused on relationship-based business and agribusiness banking. Our Mission is to Make Life Great by empowering our employees, strengthening our customers and enriching our communities. Great Western Bank services its customers through more than 170 branches in nine states.
  • Templeton Savings Bank
  • 103 S Main St, Templeton, IA, 51463
  • Templeton Savings Bank is a family owned community bank that was established in 1923. As we approach 100 years in business, we look forward to continuing to provide banking products and services. Templeton Savings Bank has had a long tradition of helping customers reach their financial goals.
  • Peoples Bank
  • 116 West State Street, Jefferson, IA, 50129
  • Jefferson Branch is a branch office of Peoples Bank. They provide the following services: Full Service Office Location and are located at 116 West State Street in Jefferson Iowa. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
  • Home State Bank IA
  • 115 West State Street, Jefferson, IA, 50129
  • At Home State Bank, we truly focus on building lasting relationships to benefit our customers and our community. Our success is rooted in both understanding the full needs of our customers in order to provide the best solution every time, and in giving back to and advocating on behalf of our community to keep it as a great place to live.
  • Community Bank IA
  • 601 Iowa Ave, Dunlap, IA, 51529
  • Community Bank is a full service commercial banking institution providing modern financial services while maintaining the integrity of a "hometown" bank where decisions are made locally. Community Bank takes pride in having served the 4-County area since 1926. The headquarters of Community Bank is at 601 Iowa Ave., Dunlap, IA 51529.
  • Landmands Bank
  • 201 South Division Street, Audubon, IA, 50025
  • Landmands Bank began in 1909. At Landmands Bank you are a face and a name, not a number or a quota. As we work diligently to provide you with personal service, we recognize that our success depends on your success. That's why we strive to provide you with quality financial products
  • Boone Bank & Trust Co.
  • 716 8th St, Boone, IA, 50036
  • Boone Bank & Trust Co. is owned by Ames National Corporation (ANC) and is the largest locally owned bank in Boone County. The bank first began in 1883 making us one of the oldest banks within the ANC organization. In 1883 the bank was organized under the name of Boone County Bank. The bank operated until 1911 when it was sold.
  • Iowa Heartland Credit Union
  • 1602 South Monroe Avenue, Mason City, IA, 50401
  • Iowa Heartland is a not-for-profit financial co-operative that offers many of the same services as banks or other savings and loan institutions. The unique difference is that we are member owned and controlled. Meeting the financial needs of North Iowa's Heartland is our goal at Iowa Heartland Credit Union.
  • CENT Credit Union
  • 25 West State Street, Mason City, IA, 50401
  • CENT Credit Union is a financial cooperative whose mission is to provide outstanding financial services, one cent at a time. Our membership is comprised of all health related professionals, health related employees, incorporated and non-incorporated affiliates and organizations of the health care field within a 65-mile radius of Mason City.
  • First Citizens Bank (FCB)
  • 2601 4th St SW, Mason City, IA, 50401
  • First Citizens Bank is a family-owned, community bank headquartered in Mason City serving 6 North Iowa counties and the Mora, Minnesota community. Currently, the bank has over a billion in assets and employs over 200 people. The bank is uniquely positioned as a locally-owned community bank with enough size to compete technologically.