Mortgage Header Image

O'Fallon Illinois Mortgage Company


Get Moving Today!

We have been St. Louis' leading community bank since 1906. We make profitable investments in the community and reinvest local deposits. Midwest BankCentre ensures that $95 of every $100 deposit stays in the St. Louis and the O’Fallon, Illinois area to help build businesses and families. Every dollar circulates an average six times through the region's economy. A community investment is one that invests in you and your house. Let's get you home. 

Mortgage Review Count and Star Rating

O’Fallon, Illinois Mortgage Company

Loan Types

Mortgages that aren't insured by the federal government often offer lower rates and greater flexibility. These loans are popular among borrowers with good credit scores, stable jobs and steady incomes, as well as people who can afford a down payment. There are many options available, but make sure you choose one that suits your financial goals and current financial situation. Construction loans can be used to build your dream home or remodel an existing one. There are 90% and 80/10 options for second homes. We also have the option to approve condos that are not warranted. You can also get up to 80% on investment property condos, with the possibility to add a 10% piggyback. We also offer portfolio service in-house. You can get loans up to $1.5 million with the possibility of making exceptions. The Veteran Affairs (VA) home loan is an excellent benefit for military personnel who have served in the military. You can either be a former or current service member and get a home in O’Fallon, Illinois. VA home loans offer a great alternative for servicemen and women, with no down payment, no lender fees, no private mortgage insurance, and a competitive interest rate. They are also partially guaranteed by the U.S. Department of Veterans Affairs (typically 25% of the loan amount). USDA loans can be used if you are looking to live in rural areas and away from cities. The USDA loan is guaranteed by the U.S. Department of Agriculture. It offers a low interest rate, low monthly payments, and allows the borrower to borrow up to 100% of the appraised value of the home.
Dr. loans can be used by medical professionals. This loan is available to residents and doctors, regardless of their financial history. It does not consider student loans. An ITIN loan can be obtained by U.S. citizens who do not have a social security number. ITIN loans can be used by borrowers who can provide an ITIN number for identification. We offer many options for you to choose from, including a Home Equity Line of Credit and a Home Equity Loan. This will let you remodel your home or build a new one without taking out another mortgage. We can help you today. These loans are great for homebuyers with poor credit or those who cannot afford a down payment. FHA loans were created to make homeownership affordable. We can help you get started today. FHA loans can only be used for primary residences.

O'Fallon Illinois Mortgage Company


We share your dream of owning an idyllic vacation home.


There are many loan options available to meet your financing needs. The purpose of a vacation home is to create wonderful memories that will last generations. It reinforces the idea that you can have a space where your daily cares are not as important. If you're thinking of purchasing a second home, now is the time to take advantage of historically low interest rates. We can help you find the right home loan or refinance option for you. Your dreams are possible.

If you have questions, please call us at 314-633-6060, or email us at:


We are proud to be a top MORTGAGE PROVIDER. has named us a Top 10 St. Louis Mortgage Company.

As your St. Louis Mortgage Company, we believe that when you DREAM BIG we all RISE TOGETHER.

Our home loan specialists are available to help you with any of your mortgage needs, including buying a new home or refinancing an existing one. We invite you to meet our top-ranked mortgage team!

Mortgage Review Count and Star Rating



Your First-Time & Forever Home Mortgage Provider


Borrowers often find it overwhelming to purchase a home. Buying a vacation home or investment property can make things even more difficult from a tax, financing, and real estate standpoint.

We can help you simplify the home loan process, whether you are looking to buy, refinance, or build. Every person's story is unique, but we have helped thousands of people choose their home loans over the past 100 years. We are proud to offer a variety of home loan options that can be used to satisfy a wide range of financial needs. This includes a 100% mortgage financing option which allows buyers to buy a home with no down payment.

Real estate professionals can feel confident knowing that their clients are in safe hands. We will be there to help you every step of your way, providing exceptional service to clients so that they can close successful transactions.

With our best-in-class technology, you will have a seamless customer experience from application to closing, and a secure, cloud-based application that borrowers can use. You'll enjoy a personalized and simplified experience thanks to our top-rated loan specialists.

We strive to reach people wherever they are so they can get wherever they want to be. Our Bank helps people DREAM BIG by creating the right conditions.

You are invited to visit Midwest BankCentre to find out more about how we can help you and your clients get into the home of your dreams. We can all RISE TOGETHER by working in partnership.


-Orvin T. Kimbrough | Chairman & CEO 


If you have questions, please call us at 314-633-6060, or email us at:


Why should you choose to work with us?


Midwest BankCentre provides support for more than 1,400 home purchases, refinances, and HELOCs each year. Our local decision-making allows us to respond quickly. You can benefit from coordinated, agile efforts to maximize your yield and decrease the time it takes for you to close.

We offer personalized service and a dedicated relationship manager for each customer, not just a 1-800 number. Our average customer service rating of 4.85 stars is based on more than 2,000 customer reviews. We understand that each borrower is unique and are happy to provide customized solutions. With a wide range of products to meet customers' needs, we help them find a loan that works best for them and navigate the home loan process.

We want to be your first-time and forever mortgage provider.


If you have any questions, please call us at 314-633-6060, or email us at:

About Midwest BankCentre


Midwest BankCentre, St. Louis' second largest locally-owned bank, has assets in excess of $2.3 billion and deposits in excess of $1.8 billion. Midwest BankCentre has approximately 280 employees who work at various locations in the St. Louis and O’Fallon, Illinois area.

Our financial services include personalized consumer and business banking, as well as cash management, O’Fallon, Illinois mortgage loans, home equity loans, financial planning, investments, and insurance. We aim to empower people and enable businesses. Because each customer is unique, we offer a wide range of products at competitive rates, and personalized services to meet your needs and help you reach your goals.

We are determined to make long-term, meaningful investments in communities that will lift all people up so we can all RISE TOGETHER.



Recognition and Awards


Midwest BankCentre was honored to receive numerous awards that recognize the strength of the Bank, the hard work we do, and the talent of the executive team. However, winning awards is only one aspect of the story. We hope that people will see the positive changes we have made in their region and become more involved by opening checking and savings accounts. This will allow us to continue helping everyone realize their dreams.

Rated 5-Star Superior for Financial Strength & Stability by BauerFinancial: Midwest BankCentre is one of the few banks in St. Louis to consistently receive the prestigious 5-Star Rating for financial strength & stability from BauerFinancial (


Other Awards:
  1. Best Bank in St. Louis by Small Business Monthly - 2019, 2020 and 2021
  2. Top Workplaces in St. Louis by the St. Louis-Post Dispatch – 2021
  3. Top 10 Mortgage Providers in St. Louis by
  4. Better Business Bureau Torch Award: We were awarded this honor for our outstanding customer service and ethical business practices.
  5. Independent Community Bankers of America (ICBA) 2018 National Community Service Award: One of only 4 recipients across the country.
  6. America's Bankers Association (ABA) 2019 National Community & Economic Development Award
  7. 5 Best Mortgage Brokers in St. Louis by

Aerial image of boy with his dog in the bathtub.

Home, pet, auto and more

Get instant quotes to protect your biggest investments

Tell Me More