Top 3 Mortgage Lenders in Jacob

Midland States Bank has been serving Central Illinois communities for over 140 years and maintains a strong presence in the Jacob, IL area through their Mattoon location. As a community-focused bank with deep regional roots, they offer personalized mortgage services with local decision-making. Their mortgage team receives exceptional ratings for responsiveness, competitive rates, and guiding borrowers through the entire home financing process. They specialize in first-time homebuyer programs and offer a comprehensive range of loan products with the advantage of local underwriting and processing.

CrossCountry Mortgage maintains a strong local presence in the Effingham area, serving Jacob and surrounding communities with dedicated mortgage expertise. With nearly 20 years in business nationally, their local team brings extensive experience in rural and small-town financing. They are particularly noted for their competitive rates on USDA loans, which are ideal for the Jacob area, and their efficient processing timeline. Customers consistently praise their transparent communication and ability to navigate complex financing situations while maintaining personal service standards.

Illinois Credit Union has been serving members in Central Illinois for nearly 70 years, with their Effingham location providing convenient access for Jacob residents. As a member-owned financial cooperative, they offer competitive mortgage rates and lower fees than many traditional banks. Their mortgage team receives high marks for personalized service and educational approach, particularly helpful for first-time homebuyers. They excel at understanding the unique needs of rural Illinois communities and offer specialized guidance on USDA and rural development loans that are particularly relevant to the Jacob area.