Top 3 Mortgage Lenders in Frederick

Heartland Bank and Trust Company is a highly-rated regional bank with strong presence throughout North Central Illinois, including service to Frederick and surrounding Bureau County areas. With over 120 years of community banking experience, they offer personalized mortgage services with local decision-making. Their mortgage team provides competitive rates on a full range of loan products and is particularly known for exceptional customer service and community involvement. As a local bank, they understand the unique needs of rural Illinois homeowners and offer specialized agricultural and rural property financing options.

First National Bank of Ottawa has been serving North Central Illinois communities for over 160 years and is well-established in Bureau County where Frederick is located. They offer comprehensive mortgage services with a focus on personalized attention and local expertise. Their mortgage specialists are known for guiding borrowers through the entire process with transparency and care. The bank has particularly strong ratings for their first-time homebuyer programs and competitive conventional loan options. Their long-standing community presence ensures they understand the local real estate market dynamics.

Midland States Bank is a regional financial institution with significant presence throughout Illinois, including dedicated service to Bureau County and Frederick area residents. They offer a comprehensive suite of mortgage products with the advantage of local processing combined with regional resources. Their mortgage team receives high marks for responsiveness and competitive rate offerings. Midland States is particularly strong in construction lending and renovation loans, making them an excellent choice for rural property development. Their digital mortgage application process combined with local underwriting expertise provides both convenience and personalized service.