Top 3 Mortgage Lenders in Xenia

First Option Mortgage is a highly-rated regional mortgage lender serving Southern Illinois communities including Xenia. With over two decades of experience, they've built an exceptional reputation for personalized service and competitive rates. They specialize in rural and small-town mortgages, including USDA loans which are particularly relevant for Xenia area residents. Their local loan officers have deep knowledge of the regional market and provide hands-on guidance throughout the entire mortgage process.

Midland States Bank is a well-established regional bank with strong presence throughout Southern Illinois, including service to Xenia residents. They offer comprehensive mortgage services with the advantage of local decision-making and personalized customer service. As a community-focused institution, they understand the unique needs of rural Illinois homeowners and offer competitive rates with various loan programs. Their mortgage team includes experienced local professionals who provide in-person service and guidance.

Scott Credit Union serves multiple Southern Illinois counties and has established itself as a top mortgage lender for the region, including Xenia area residents. They consistently receive high marks for customer satisfaction and offer competitive rates typically better than large national banks. Their mortgage specialists provide personalized service and educational resources for first-time homebuyers. As a credit union, they operate with a member-focused approach, often resulting in lower fees and more flexible underwriting for qualified borrowers in rural communities.