Top 3 Mortgage Lenders in Effingham

Community National Bank has been serving northeast Kansas communities for over 130 years, making them one of the most established and trusted local lenders in the region. They maintain a strong 4.8-star rating from numerous satisfied customers who praise their personalized service, local decision-making, and competitive rates. As a community bank deeply embedded in the area, they understand the unique needs of Effingham residents and offer specialized rural lending programs including USDA loans perfect for the surrounding agricultural communities. Their loan officers have decades of combined experience and provide face-to-face service with the flexibility that national lenders can't match.

CrossFirst Bank has built an exceptional reputation across Kansas with a 4.7-star rating from numerous clients. While headquartered in Leawood, they actively serve communities throughout eastern Kansas including Effingham. Customers consistently praise their efficient processing, competitive rates, and knowledgeable loan officers who provide clear communication throughout the mortgage process. They offer a comprehensive range of loan products with particular strength in construction loans and jumbo mortgages. Their regional presence combined with sophisticated lending capabilities makes them an excellent choice for Effingham residents seeking both personalized service and professional expertise.

As one of Kansas' most trusted financial institutions with over 125 years of service, Capitol Federal (CapFed) maintains a strong 4.6-star rating from hundreds of satisfied mortgage customers. They have extensive experience serving eastern Kansas communities including Effingham, with deep roots in understanding local market conditions. Customers consistently highlight their competitive rates, straightforward process, and exceptional customer service. CapFed offers the stability of a long-established institution with the personal touch of local decision-making. Their mortgage specialists are known for taking time to educate borrowers and find the best loan options for their specific situations.