Top 3 Mortgage Lenders in Modesto

First Mid Bank & Trust is a highly-regarded regional financial institution with strong presence throughout Central Illinois. While headquartered in Mattoon, they serve clients across the state including the Modesto area. With over 150 years of banking experience, they offer personalized mortgage services through local loan officers who understand Illinois real estate markets. Their excellent 4.8 rating reflects consistent customer satisfaction with their competitive rates, transparent process, and dedicated local service. They're particularly noted for their construction lending expertise and first-time homebuyer programs.

Mortgage Solutions of Illinois is a top-rated mortgage brokerage serving clients throughout Central Illinois, including the Modesto area. With an exceptional 4.9 rating from over 127 reviews, they've built a reputation for exceptional customer service and competitive loan options. Their team specializes in working with buyers across rural and suburban Illinois communities, offering personalized guidance through FHA, VA, and USDA loans that are particularly relevant for the Modesto region. Clients consistently praise their responsive communication, thorough explanations, and ability to secure favorable terms.

INB Bank has established itself as a trusted mortgage lender throughout Central Illinois with comprehensive service coverage that includes the Modesto area. With nearly 25 years of operation, they combine local decision-making with robust lending capabilities. Their 4.7 rating reflects strong customer satisfaction with their mortgage process, particularly noted for construction and lot loans that suit the rural character of areas like Modesto. The bank's local loan officers provide personalized service and deep knowledge of Illinois housing markets, making them a preferred choice for both purchase and refinance transactions in the region.