Top 3 Mortgage Lenders in Waterloo

U.S. Bank maintains a strong physical presence in Waterloo with a local branch that offers comprehensive mortgage services. As one of America's largest banks with over 160 years of experience, they provide competitive rates and a wide variety of loan products. Their local mortgage specialists understand the Waterloo and Monroe County market specifically, offering personalized service with the backing of a major financial institution known for reliability and customer satisfaction.

First Mid Bank & Trust has deep roots in Southern Illinois with a physical branch located right in downtown Waterloo. This community-focused bank has been serving the region since 1865 and offers personalized mortgage services with local decision-making. They're particularly known for their construction and lot loans, making them an excellent choice for new home builds in the growing Waterloo area. Their local loan officers provide face-to-face service and understand the specific needs of Monroe County residents.

While based in nearby Collinsville, Scott Credit Union actively serves the Waterloo community and is highly regarded for their competitive mortgage rates and exceptional member service. As a not-for-profit financial cooperative, they often offer lower fees and more favorable terms than traditional banks. Their mortgage team specializes in first-time homebuyer programs and provides personalized guidance throughout the entire process. They have strong community involvement throughout the Metro East region and consistently receive high marks for customer satisfaction.