Top 3 Mortgage Lenders in Palmyra

F&M Bank and Trust Company is Palmyra's premier local banking institution with deep roots in the community. As the primary financial institution actually headquartered in Palmyra, they offer personalized mortgage services with local decision-making and exceptional customer care. Their mortgage team has extensive experience with rural housing programs including USDA loans, making them ideal for the Palmyra area. Customers consistently praise their responsive service, competitive rates, and the convenience of working with lenders who understand the local real estate market intimately.

Cornerstone Mortgage serves the entire northeast Missouri region including Palmyra from their Hannibal location just 12 miles away. They are highly regarded for their expertise in government-backed loans and first-time homebuyer programs. With multiple experienced loan officers specializing in rural Missouri properties, they offer competitive rates and streamlined processing. Their strong local reputation is built on transparent communication and reliable service, with many Palmyra residents choosing them for their mortgage needs due to their regional expertise and personalized approach.

First State Bank of St. Charles has been serving Missouri communities for decades and maintains a strong presence in northeast Missouri, including Palmyra. They offer comprehensive mortgage solutions with the stability of a well-established community bank. Specializing in both purchase and construction loans, they're particularly strong for buyers looking to build in rural areas. Their experienced loan officers provide personalized service with the backing of a solid financial institution, and they're known for their competitive rates and flexible loan terms that cater to the unique needs of Missouri homebuyers.