Top 3 Mortgage Lenders in West Salem

People's Trust & Savings Bank is a highly-rated community bank serving West Salem and surrounding areas with over a century of local lending experience. They specialize in rural and agricultural lending with deep roots in Edwards County. Customers praise their personalized service, competitive rates, and understanding of local real estate markets. As a community bank, they offer flexible underwriting and local decision-making that national lenders can't match, making them particularly strong for rural properties and first-time homebuyers in the West Salem area.

First Mid Bank & Trust is a well-established regional bank with strong presence throughout Southern Illinois, including dedicated service to West Salem residents. With over 150 years of banking experience, they offer comprehensive mortgage solutions and local underwriting expertise. Their mortgage team receives high marks for responsiveness and competitive rate offerings. The bank maintains multiple branches throughout the region, providing convenient local service while offering the resources of a larger financial institution with robust mortgage products and digital tools.

Illinois Credit Union serves members throughout Southern Illinois, including West Salem, with highly competitive mortgage rates and exceptional member service. As a not-for-profit financial cooperative, they typically offer lower rates and fees than traditional banks. Their mortgage specialists are praised for guiding members through the entire homebuying process with personalized attention. While headquartered in Effingham, they actively serve rural communities throughout the region with specialized USDA and FHA loan expertise that benefits West Salem homebuyers seeking affordable financing options.