Centralia, Missouri Construction loan lenders AI selection 2025

Lendersa® offers a comprehensive list of construction loan lenders in Centralia, MO, featuring a wide range of financial providers such as regional banks, national lenders, and local hard money lenders. These lenders employ private funds to support both ground-up constructions and major renovation projects, catering to the diverse financial needs of borrowers looking for tailored solutions to meet their specific project requirements.

In Centralia, MO, lenders prepare estimates for constructing a 2,000 square foot home, starting at $179,549 for basic builds and reaching up to $329,522 for more upscale endeavors. Interest rates and loan terms can vary widely, depending on several factors including the borrower's financial situation, Loan-to-Value (LTV) ratio, After-Repair Value (ARV), and the type of lender chosen. This variability allows for customized loan arrangements that align closely with the unique goals and circumstances of each borrower.

Explore and compare loan offers from 100 diverse lenders to secure the most suitable financial options for your construction or rehabilitation goals.

Unlock potential with our magic construction loan calculator

To fully address your construction financing needs, Lendersa® employs state-of-the-art AI technology that instantly matches your loan requests with hundreds of construction lenders. This capability helps you locate the most competitive construction rates, ideal for funding ground-up projects, fix-and-flips, or major rehabs on both residential and commercial properties throughout MO. This ensures you receive the best available options tailored to your project's specific needs.

Find construction loan lenders in your vicinity

Avoiding unnecessary credit checks is crucial for maintaining a healthy credit score. Preapproval for your land loan can be secured without submitting your social security number or sensitive financial information, ensuring your privacy is protected throughout the process.

Furthermore, you might qualify for 100% LTV (Loan-to-Value) financing if you are willing to pledge additional properties as security in a blanket loan agreement. This option significantly expands your financing capabilities, providing greater leverage to fulfill extensive project funding.

Utilize the Lendersa® land loan calculator to locate vacant land loan lenders within the zip codes 65240, ensuring that your search is geographically focused for the most relevant results, making your endeavor to secure the right lender both efficient and effective.



  • FMB
  • 959 North Commercial Avenue, Saint Clair, MO, 63077
  • We at Farmers & Merchants Bank appreciate our customers and Facebook Fans, and we strive to give you the best customer service possible. That is why we encourage you to contact us directly if you have questions about your account.Facebook Fans, and we strive to give you the best customer service possible.
  • First Community Credit Union.
  • 17151 Chesterfield Airport Road, Chesterfield, MO, 63005
  • First Community is a cooperative, owned and operated by its members. We are a $3 billion financial institution with over 350, 000 members, serving all of St. Louis County, St. Louis City, Franklin County, Jefferson County, St. Charles County, Warren County, and the Illinois counties of Madison, Monroe and St. Clair.
  • Groundwork Mortgage
  • 643 Cepi Drive, Chesterfield, MO, 63005
  • Groundwork Mortgage (NMLS #1211416, Missouri No. 15-2198, Illinois MB.6761278), an equal housing residential mortgage company, delivers best-in-class mortgage services to qualified borrowers. Groundwork Mortgage’s new home purchase focus and expertise differentiates it in the crowded mortgage lending market,
  • Senior Commercial Capital
  • 100 Chesterfield Business Pkwy, 2nd Floor, Chesterfield, MO, 63005
  • We are one of the most resourceful and dedicated team of commercial real estate mortgage professionals in the industry. We are a client-driven commercial real estate finance firm serving borrowers of real estate capital. We offer all types of debt and equity financing for income producing properties.
  • Exchange Bank of Northeast Missouri
  • 268 N Johnson St, Kahoka, MO, 63445
  • Exchange Bank of Northeast Missouri, we want to help make the communities we serve better by providing strong financial services. We call these communities home, so we know and understand the challenges you face every day. That’s why we strive to provide the products and services to help you overcome those challenges.
  • Peoples Bank of Wyaconda, Missouri
  • 310 South Johnson, Kahoka, MO, 63445
  • Peoples Bank of Wyaconda has been serving the loyal customers of this community. We continue to be locally owned and operated so you truly remain our family, neighbor and friend. When we say we appreciate your business and We are proud to serve Northeast Missouri from Wyaconda, Kahoka and Canton
  • Bank Star One
  • 1999 W. Osage, Pacific, MO, 63069
  • We’re not just a bank. We’re a really good bank. One that helps you take care of your money without having to work too hard, because you already work hard enough. Whatever you need from your bank, you can find it right here. Bank Star's headquartered in Fulton, MO & also has branches in New Bloomfield, Lake Ozark, and Osage Beach -all in Missouri.
  • Pony Express Bank
  • 213 Main St, Braymer, MO, 64624
  • Pony Express Bank operates in two eras. Our banking accounts, products, and online services are cutting edge. But when it comes to customer service, we tend to be old-fashioned. We deal with our customers individually, treating people like people, not numbers. Our customers are our neighbors, after all.
  • NEW FRONTIER BANK
  • 1771 Zumbehl Road, Saint Charles, MO, 63303
  • Founded in 1999 by St. Charles County residents, we provide a personal community banking experience with services are designed specifically to make banking easier for our customers. We wanted to provide a superior local option for the community's banking needs. Not another impersonal conglomerate with thousands of branches.
  • Phelps County Bank
  • 718 North Pine Street, Rolla, MO, 65401
  • Phelps County Bank is 100% owned by our employees through an Employee Stock Ownership Plan (ESOP). Our mission is to build relationships with purpose, integrity, and fairness through a commitment to teamwork, education, and growth - believing that contributions of time, talents, and service lead to a better community for all.
  • Riverways Federal Credit Union
  • 1012 Forum Drive, Rolla, MO, 65401
  • Riverways Federal Credit Union, you’ll have access to all the same services you would use at other financial institutions. The difference is that at Riverways Federal Credit Union, you’ll get a better deal, and you’ll receive better service and also We enjoy helping our members grow financially and work towards their long term goals.