Top 3 Mortgage Lenders in Lucas

First Heritage Mortgage is a highly-rated regional lender with strong presence across Kansas, serving rural communities like Lucas through their Salina office. With over 20 years in business, they specialize in rural housing loans including USDA programs that are particularly beneficial for Lucas area homebuyers. Their 4.9-star rating reflects exceptional customer service and expertise with Kansas-specific mortgage needs, including agricultural property financing and first-time homebuyer programs.

As one of Kansas's oldest and most established financial institutions, Central National Bank has deep roots in serving rural Kansas communities including Lucas. Their mortgage department offers specialized agricultural and rural property lending expertise that's ideal for the Lucas area. With local decision-making and personalized service, they provide competitive rates and construction loans for custom homes, making them a top choice for Russell County residents seeking reliable mortgage financing.

Sunflower Bank has been serving Kansas communities for over a century with specialized mortgage programs for rural homebuyers. Their Salina branch actively serves Lucas and surrounding areas with USDA rural development loans that offer 100% financing options. Known for their community-focused approach and competitive construction lending programs, Sunflower Bank combines local expertise with the stability of a regional banking institution, making them particularly well-suited for the unique real estate needs of Lucas residents.