Top 3 Mortgage Lenders in Herrick

Midland States Bank has been serving central Illinois communities for over 140 years and maintains a strong presence throughout the Herrick area. Their mortgage team receives exceptional ratings for personalized service, local decision-making, and competitive rates. As a community-focused bank with deep roots in the region, they understand the unique needs of rural Illinois homeowners and offer specialized USDA and FHA loan programs perfect for the Herrick market. Their local loan officers provide face-to-face service and have extensive experience with agricultural properties and rural home financing.

Illinois Credit Union has been serving members throughout central Illinois for nearly 70 years and is highly rated for mortgage lending in the Herrick service area. As a member-owned financial cooperative, they offer competitive rates and lower fees than many traditional banks. Their mortgage specialists are praised for guiding first-time homebuyers through the entire process and offering educational resources. The credit union's local presence in nearby Effingham ensures personalized service and understanding of the Herrick real estate market, with particular expertise in affordable housing programs.

Union Home Mortgage maintains a highly-rated local office in Effingham that actively serves the Herrick community. With over 50 years in the mortgage industry, they combine national lending power with local expertise. Their loan officers receive outstanding reviews for responsiveness, transparency, and navigating complex rural property transactions. Specializing in both purchase and refinance loans, they offer particularly strong USDA rural development programs ideal for Herrick residents. The company is known for efficient processing and strong relationships with local real estate professionals throughout central Illinois.