Top 3 Mortgage Lenders in Kirksville

Central Bank of Boone County is one of Missouri's most highly-rated mortgage lenders with a strong presence throughout northeast Missouri. While based in Columbia, they actively serve the Kirksville area with dedicated mortgage specialists. They consistently receive exceptional customer reviews for their competitive rates, personalized service, and extensive experience with rural housing loans including USDA programs that are particularly relevant to the Kirksville region. Their long-standing community banking approach combined with modern mortgage technology makes them a top choice for homebuyers in Adair County.

F&M Bank and Trust Company has been serving the Kirksville community for over a century, making them the most established local mortgage provider in the area. Their Kirksville-based mortgage team has deep roots in the community and specializes in understanding the unique needs of northeast Missouri homebuyers. They receive consistently high marks for their personalized service, local decision-making, and comprehensive knowledge of rural property financing. As a community bank, they offer the advantage of local underwriting and long-term relationship banking that national lenders cannot match.

Community State Bank is another long-standing Kirksville institution with a dedicated mortgage department that serves the entire northeast Missouri region. They are particularly strong in construction and agricultural property lending, which makes them ideal for the rural character of the Kirksville area. Their mortgage team has extensive experience with USDA rural development loans and offers competitive rates with the convenience of local processing and decision-making. Customers consistently praise their responsive service, transparency throughout the loan process, and commitment to the local community.