Top 3 Mortgage Lenders in Kelso

Bank of Missouri stands out as a top-rated regional lender with deep roots in southeast Missouri, serving Kelso and surrounding communities for over 130 years. Their mortgage team receives exceptional ratings for personalized service and local decision-making. As a community-focused bank, they offer competitive rates and have specialized expertise in rural housing loans including USDA programs that benefit Kelso residents. Their long-standing presence in the region ensures they understand local property values and market conditions.

First State Community Bank has built an outstanding reputation throughout southeast Missouri with multiple branches serving the Kelso area. Their mortgage division is particularly praised for responsive service and guiding clients through the entire home financing process. They excel at first-time homebuyer programs and offer specialized construction lending for rural properties. With deep community ties and extensive experience in the region's real estate market, they provide reliable, locally-based mortgage solutions.

Alliance Credit Union serves multiple counties in southeast Missouri including Scott County where Kelso is located. Their mortgage team receives high marks for competitive rates and member-focused service. As a not-for-profit financial cooperative, they often offer lower fees and more flexible underwriting than traditional banks. They have particular expertise in VA and USDA rural development loans that are well-suited for the Kelso market. Their local decision-making process and personalized approach make them a top choice for area homebuyers.