Top 3 Mortgage Lenders in Jacksonville

As Jacksonville's premier local community bank, Jacksonville Savings Bank has built an exceptional reputation for personalized mortgage services with deep roots in the community. Their mortgage team provides competitive rates with local underwriting decisions, offering a wide range of loan products including specialized construction and renovation loans. With nearly three decades of serving Morgan County homeowners, they combine institutional knowledge with modern lending technology, earning consistently high marks for their responsive service and commitment to making the mortgage process smooth and transparent for local buyers.

Town and Country Bank maintains a strong Jacksonville presence with their dedicated mortgage division that serves the entire central Illinois region. Known for their competitive first-time homebuyer programs and flexible underwriting, they've built a reputation for going above and beyond for local residents. Their mortgage specialists provide comprehensive guidance through the entire home financing process, with particular expertise in USDA rural development loans that benefit many Jacksonville area homebuyers. The combination of local decision-making and robust digital mortgage tools makes them a top choice for modern home financing.

While headquartered in Springfield, Illinois National Bank has established itself as a leading mortgage lender throughout central Illinois, including strong service to the Jacksonville market. Their mortgage team brings extensive experience with complex loan scenarios and investment property financing, complemented by competitive conventional and government loan options. As a community-focused institution with regional strength, they offer the resources of a larger bank while maintaining personalized service. Their construction-to-permanent loan programs are particularly well-regarded, making them an excellent choice for custom home building in the Jacksonville area.