Top 3 Mortgage Lenders in Fults

Scott Credit Union is one of southern Illinois' most trusted mortgage lenders with an exceptional reputation for customer service and competitive rates. While headquartered in O'Fallon, they serve the entire southern Illinois region including rural areas like Fults. They offer specialized rural lending programs and have extensive experience with USDA loans which are particularly relevant for Fults homebuyers. Their digital mortgage process combined with local loan officers provides both convenience and personalized service.

First Mid Bank & Trust has deep roots in Illinois communities and maintains a strong presence throughout the state, including service to Monroe County where Fults is located. They specialize in rural and agricultural lending with particular expertise in properties similar to those found in the Fults area. Their local decision-making process and long-standing community relationships make them an excellent choice for buyers in smaller communities. They offer competitive construction and lot loan programs ideal for rural property development.

Located just minutes from Fults in Monroe County, First National Bank of Waterloo has exceptional local knowledge of the Fults real estate market. They consistently receive top ratings for their personalized service and understanding of rural property financing challenges. Their construction-to-permanent loan programs are particularly valuable for the Fults area where new construction and land purchases are common. As a community bank with deep local ties, they offer flexible underwriting and understand the unique aspects of financing properties in this rural region.