Top 3 Mortgage Lenders in O Fallon

Scott Credit Union stands as one of the highest-rated mortgage lenders in the O'Fallon area with deep community roots spanning over 75 years. As a member-owned financial cooperative, they consistently offer competitive rates and personalized service. Their mortgage team specializes in first-time homebuyer programs and offers a comprehensive range of loan products with local underwriting and decision-making. With multiple branches throughout the Metro East region and strong digital capabilities, they provide both convenience and exceptional customer experience, earning numerous local awards for customer satisfaction.

First Federal Bank of the Midwest has been serving Southern Illinois communities for nearly a century with a strong presence in O'Fallon. Their experienced mortgage team provides local processing and underwriting with competitive rates and flexible terms. They excel in construction lending and offer specialized programs for both new home construction and existing home purchases. The bank maintains an excellent reputation for responsive service and community involvement, with loan officers who have deep knowledge of the local O'Fallon real estate market and long-standing relationships with area real estate professionals.

Guaranteed Rate brings nationally-ranked mortgage expertise with strong local service to O'Fallon residents through their St. Louis regional office. As one of the largest retail mortgage lenders in the country, they offer highly competitive rates and innovative digital mortgage technology while maintaining personalized local service. Their St. Louis-based loan officers specifically serve the Metro East Illinois market, including O'Fallon, with extensive experience in cross-state lending. They consistently earn top ratings for their efficient process, transparent communication, and ability to close loans quickly, making them a preferred lender for many O'Fallon homebuyers and real estate agents.