537 Construction Loan Lenders with AI in Champaign, Illinois 2025

Lendersa® list of construction loan lenders in Champaign, IL include regional banks, national lenders, and local hard money lenders utilizing private money for your ground-up construction or major rehab.

Lenders calculate to construction cost in Champaign, IL of 2,000 Sf home at $212,297 for basic construction to $385,720 for fancier contraction. Interest rate and the construction loan terms are varied depending on the borrowers' financials, the LTV, ARV, and type of lender selected.

Compare loan offers from 100 lenders

The magic construction loan calculator

To ensure all of your construction financing needs are being met, Lendersa® AI technology will instantly match your loan request with hundreds of construction lenders. You can now discover the best construction rates to fund ground-up construction fix N flip or major rehab on residential and commercial properties in Illinois.

Construction loan lenders near you?

Avoiding unnecessary inquiries will reduce your credit score. Get preapproved for your land loan without the need to see your social security number or any sensitive financial information.

You may qualify to get 100% LTV (Loan to value) financing when you agree to pledge additional property as security (blanket loan).

Use Lendersa® land loan calculator to find vacant land loan lenders in zip codes 61822, 61820, 61821, 61824, 61825, 61826.



  • MidAmerica National Bank
  • 100 West Elm Street, Canton, IL, 61520
  • MidAmerica National Bank has offices located in Canton, Cuba, Henry, Lewistown, & Macomb and provides full-service banking to its customers. Throughout its history, MidAmerica National Bank’s principal guiding force has been the desire to serve the community and its residents. We pride ourselves on our local decision making at each banking center.
  • Farmington Bank
  • 16 N Main St, Farmington, IL, 61531
  • The term ""individual independence"" has been associated with and intertwined with Farmington and its development since before the city was platted in 1834. A small band of Pottawatomi Indians, tired of continual warring and bloodshed, showed their independence when they left the rest of their tribe and settled in what is now Farmington
  • Rental Property Lending Group of America, Inc
  • 12533 Surrey Ct, Mokena, IL, 60448
  • Our main goal is to help real estate investors grow their rental portfolios sooner rather than later. We offer a one stop shop program to acquire and rehab property with a line of credit that can be termed out with NO value seasoning up to 75% of fair market value. This strategy will allow you to recycle the same money over and over again.
  • First National Bank in Olney
  • 101 E. Main St., Olney, IL, 62450
  • The First National Bank in Olney is an independent, locally owned and managed provider of financial services that is dedicated to serving Richland, Clay, Crawford and Jasper Counties with quality products and services designed to maintain a profitable relationship with its customer base, and to support our role in attracting.
  • Smart Mortgage Center - Patty Harrison
  • 16151 S Lincoln Highway, Plainfield, IL, 60586
  • Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate
  • The First National Bank of Litchfield
  • 324 North State, Litchfield, IL, 62056
  • The First National Bank of Litchfield is based in Litchfield, Illinois, a town located near I-55 midway between Springfield, Illinois and St. Louis, Missouri. Our bank has been at the same downtown location since 1860, when it was operated as a private bank until receiving its National Bank Charter in 1889.
  • Petefish, Skiles & Co.
  • 102 West Beardstown Street, Virginia, IL, 62691
  • On August 1st, 1870, the private banking firm of Petefish, Skiles & Co. Bank opened its doors for business in Virginia, IL. Samuel H. Petefish, Ignatius Skiles and Jacob Epler, all prominent local businessmen, started the firm with Richard Elliott as cashier. Mr. Epler retired after the first year and George Virgin was admitted to the firm.
  • Flora Bank and Trust
  • 1478 N. Worthey St, Flora, IL, 62839
  • In 1977, a group of area business people noticed that Flora, Illinois had limited choices when it came to financial institutions. These business leaders from Flora and the surrounding communities came together and, on January 19, 1978, Flora Bank & Trust opened for business in a temporary banking facility located at 1010 West North Avenue in Flora.
  • Royalty Elite Mortgage Corp
  • 19624 Governors Highway, Suite 1, Flossmoor, IL, 60422
  • Royalty Elite Mortgage Corp. is a Residential/Commercial mortgage brokerage company based in Flossmoor, Illinois. We serve as a premier provider of financial and strategic support for all of your real estate financing needs. Your home mortgage is a major financial commitment, and one of the most important decisions you'll make.
  • Oak Leaf Community Mortgage
  • 24252 W. Main Street, Plainfield, IL, 60544
  • We focus on providing our customers purchase and refinance options that fit their needs. We specialize in home purchase, refinance, rehabilitation and new constructions loans. We have the ability to lend in 46 states and would love the opportunity to help you find a solution that fits your needs.
  • PARLAY MORTGAGE & PROPERTY, INC
  • 16612 W. 159th St, Suite 201, Lockport, IL, 60441
  • Parlay Mortgage & Property, where we are constantly striving to make a complicated process a little bit better. We offer all types of mortgage products including, but not limited to, Conventional, FHA, VA, Purchase, Refinance, Fresh Start (recent bankruptcy, foreclosure or short sale) and First-time Homebuyer
  • CNB Bank & Trust
  • 450 W. Side Square, Carlinville, IL, 62626
  • Our roots go back to the mid-nineteenth century with the founding of a bank in Carrollton, IL, in 1854. Prior to July of 2011 CNB Bank & Trust, N.A. operated as 4 individual sister banks under the Carlinville National Bank Shares, Inc. Holding Company; Carlinville National Bank, Citizens State Bank, Palmer Bank, and Cornerstone Bank & Trust, N.A.