Top 3 Mortgage Lenders in La Plata

F&M Bank and Trust Company is a highly respected community bank with deep roots in northeast Missouri, serving La Plata and surrounding areas for over 120 years. They maintain exceptional 4.8-star ratings across multiple platforms for their personalized mortgage services and competitive local rates. As a community-focused institution, they specialize in understanding rural and small-town property needs, offering USDA loans perfect for the La Plata area. Their mortgage team provides hands-on guidance through the entire process with local underwriting and decision-making.

Commerce Bank has a strong regional presence throughout Missouri with dedicated mortgage specialists serving the La Plata area. With over 150 years of banking experience, they've earned consistent 4.7-star ratings for their reliable mortgage services and competitive rate offerings. Their mortgage team excels at navigating both conventional and government-backed loans, with particular expertise in rural housing programs relevant to northeast Missouri. Commerce Bank is known for transparent pricing and streamlined digital mortgage processes combined with local relationship management.

Central Bank maintains a strong service footprint across central and northeast Missouri, including La Plata, with dedicated mortgage professionals who understand rural property financing. They've built a 4.6-star reputation for responsive service and flexible loan programs tailored to Missouri homebuyers. Specializing in construction and land loans makes them ideal for La Plata's rural housing market. Their local processing and underwriting teams provide personalized attention throughout the mortgage process, with expertise in USDA rural development loans particularly valuable for the area.