Top 3 Mortgage Lenders in Bingham

First National Bank and Trust Company of Effingham is a highly-rated community bank with deep roots in Central Illinois, serving Fayette County and surrounding areas including Bingham. With over 150 years of operation, they offer personalized mortgage services with local decision-making. Their strong 4.8 rating reflects exceptional customer satisfaction, competitive rates, and expertise in rural housing loans including USDA programs that benefit Bingham area residents. As a local institution, they understand the specific needs of rural Illinois communities.

First Mid Bank & Trust has a strong presence in Central Illinois with multiple locations serving the Bingham area. With over 150 years of banking experience, they offer comprehensive mortgage solutions with local loan officers who understand Fayette County's real estate market. Their 4.7 rating demonstrates consistent customer satisfaction, and they specialize in both purchase loans and refinancing for rural properties. The bank is known for competitive rates and personalized service throughout the mortgage process.

Peoples Bank & Trust Company serves the Bingham area from their Effingham location, offering specialized mortgage products for rural Central Illinois communities. With over 115 years of operation, they have established strong relationships throughout Fayette County. Their 4.6 rating reflects reliable service and expertise in agricultural and rural residential lending. They are particularly strong in construction loans and USDA rural development programs, making them an excellent choice for Bingham residents seeking financing for properties in more rural settings.