Top 3 Mortgage Lenders in Toledo

Heartland Bank and Trust Company is a highly-rated regional bank with deep roots in Central Illinois, serving Toledo and surrounding communities for over 25 years. They maintain exceptional 4.8-star ratings across multiple platforms for their personalized mortgage services, competitive rates, and local decision-making authority. As a community-focused institution, they offer comprehensive mortgage solutions including specialized USDA loans that benefit rural areas like Toledo. Their experienced loan officers provide dedicated guidance through the entire home financing process with the reliability of a locally-managed banking institution.

Midland States Bank has established itself as a premier mortgage lender serving Central Illinois communities including Toledo. With consistently high 4.7-star ratings, they are praised for their responsive service, competitive rates, and expertise in rural housing loans. Their mortgage team specializes in helping borrowers in smaller communities navigate the financing process with customized solutions. The bank's strong community presence and understanding of local real estate markets make them a trusted choice for Toledo area homebuyers seeking reliable mortgage services with personalized attention.

U of I Community Credit Union maintains exceptional 4.9-star ratings for their mortgage services and serves members throughout Central Illinois, including Toledo residents. While membership is required, their broad eligibility criteria make them accessible to most area residents. They are particularly noted for their competitive rates, low fees, and outstanding member service. The credit union's mortgage team provides comprehensive guidance with a focus on first-time homebuyer programs and offers the advantage of local underwriting and decision-making. Their community-focused approach and member-centric philosophy make them a top choice for personalized mortgage solutions.