Top 3 Mortgage Lenders in Effingham

Midland States Bank stands as Effingham's premier local mortgage lender with deep community roots dating back over 140 years. As a locally headquartered bank with multiple branches throughout Effingham County, they offer personalized service and deep understanding of the local real estate market. Their mortgage team receives exceptional ratings for responsiveness, competitive rate offerings, and streamlined application processes. Customers consistently praise their local decision-making authority and ability to close loans efficiently while maintaining strong personal relationships throughout the mortgage process.

First Neighbor Bank has been serving the Effingham community for nearly 90 years with a strong focus on residential mortgage lending. Their local mortgage specialists are highly rated for their expertise in agricultural and rural property financing, making them an ideal choice for the surrounding Effingham County area. The bank maintains exceptional customer satisfaction scores for their transparent communication, flexible loan options, and commitment to finding the right mortgage solution for each borrower's unique situation. Their local underwriting team ensures quick turnaround times.

While headquartered in Peoria, CEFCU maintains a strong presence throughout Central Illinois including Effingham through their digital services and local partnership networks. As one of Illinois' largest credit unions, they offer highly competitive mortgage rates and exceptional member service. Their mortgage team receives outstanding ratings for their first-time homebuyer programs, low closing costs, and comprehensive online application system. Customers consistently praise their rate competitiveness and the educational approach their loan officers take throughout the home buying process, making them a top regional choice for Effingham residents.