Mortgage Lenders and Brokers in Carbondale, Illinois
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Carbondale, Illinois mortgage lenders include SIU Credit UnionSIU Credit Union1175 E Main St, Carbondale, IL 62901 3126A+5.0 ★Texas Ratio: 4.91%, Regions BankRegions BankStudent Center Of Southern Illinois University Carbondale, Carbondale, IL 62901A+5.0 ★Texas Ratio: 4.37%, Banterra BankBanterra Bank1500 W Main St, Carbondale, IL 62901A4.7 ★Texas Ratio: 4.32%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA915 W Main St, Carbondale, IL 62901A+5.0 ★Texas Ratio: 3.88%, US Bank, N.A.US Bank, N.A.540 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 2.85%, Carrollton BankCarrollton Bank120 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 3.58%, Bank of America NABank of America NA850 W Algonquin Rd, Arlington Heights, IL 60005A+5.0 ★Texas Ratio: 4.14%, The Bank of HerrinThe Bank of Herrin501 S Maple St, Cambria, IL 62915B+4.2 ★Texas Ratio: 8.88%, First National Bank of AvaFirst National Bank of Ava304 W Main St, Ava, IL 62907A+5.0 ★Texas Ratio: 0.35%, and Wells Fargo Bank NAWells Fargo Bank NA245 N Main St, Canton, IL 61520A+5.0 ★Texas Ratio: 5.36%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Carbondale, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carbondale are listed first, then lenders elsewhere in Illinois, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Carbondale, Illinois
Market share is the lender's share of all home loans closed in Carbondale, Illinois. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1175 E Main St, Carbondale, IL 62901 3126 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 24 | 14.2% | 90% | $168,333 | View |
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1 office in Carbondale Student Center Of Southern Illinois University Carbondale, Carbondale, IL 62901 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, USDA, HELOC | 5 +5 HELOCs |
3% | 41.7% | $105,000 | View |
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1 office in Carbondale 1500 W Main St, Carbondale, IL 62901 A4.7 ★Texas Ratio: 4.32% |
Conventional | 4 | 2.4% | 100% | $180,000 | View |
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1 office in Carbondale 915 W Main St, Carbondale, IL 62901 A+5.0 ★Texas Ratio: 3.88% |
Conventional, HELOC | 2 +3 HELOCs |
1.2% | 50% | $115,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 5 +2 HELOCs |
3% | 75% | $225,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $145,000 | View |
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501 S Maple St, Cambria, IL 62915 B+4.2 ★Texas Ratio: 8.88% |
Conventional | 1 | 0.6% | 50% | $25,000 | View |
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304 W Main St, Ava, IL 62907 A+5.0 ★Texas Ratio: 0.35% |
Conventional | 1 | 0.6% | 100% | $45,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $45,000 | View |
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1315 N North Branch St, Chicago, IL 60642 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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200 N West St, Athens, IL 62613 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 1 | 0.6% | 100% | $145,000 | View |
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208 Public Sq, Benton, IL 62812 A5.0 ★Texas Ratio: 9.39% |
FHA | 1 | 0.6% | 100% | $95,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.6% | 100% | $245,000 | View |
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358 S Main St, Anna, IL 62906 A5.0 ★Texas Ratio: 6.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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4807 W Main St, Belleville, IL 62226 4722 A+5.0 ★Texas Ratio: 3.36% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B-4.4 ★Texas Ratio: 22.22% |
Conventional | 3 | 1.8% | 75% | $78,333 | View |
Cmg Mortgage Inc
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VA | 1 | 0.6% | 100% | $325,000 | |
Community Banc Mortgage Corp
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VA | 1 | 0.6% | 100% | $205,000 | |
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Guild Mortgage Company
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Conventional, FHA, VA | 19 | 11.2% | 95.5% | $175,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 7.1% | 80% | $135,000 | |
Gershman Investment Corp.
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Conventional, FHA | 12 | 7.1% | 100% | $115,000 | |
Mortgage Research Center
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VA | 9 | 5.3% | 90% | $181,666 | |
FirstTrust Home Loans
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Conventional, FHA, USDA | 8 | 4.7% | 100% | $145,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, VA, USDA | 6 | 3.6% | 100% | $121,666 | |
Wolfe Financial Inc
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Conventional, FHA, VA | 6 | 3.6% | 100% | $236,666 | |
United Wholesale Mortgage
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Conventional, VA | 4 | 2.4% | 66.7% | $142,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 4 | 2.4% | 71.4% | $182,500 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA | 4 | 2.4% | 100% | $257,500 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 4 | 2.4% | 100% | $182,500 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.8% | 100% | $111,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
1.2% | 100% | $210,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1.2% | 100% | $180,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1.2% | 100% | $100,000 | View |
21St Mortgage
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Conventional | 2 | 1.2% | 100% | $90,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.6% | 100% | $85,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $95,000 | |
Loansteady LLC
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FHA | 1 | 0.6% | 66.7% | $125,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 50% | $155,000 | |
loanDepot.com LLC
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FHA | 1 | 0.6% | 100% | $105,000 | |
Tyndall Federal Credit Union
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VA | 1 | 0.6% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 6.37% |
Conventional | 1 | 0.6% | 100% | $265,000 | View |
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A5.0 ★Texas Ratio: 12.71% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
US Wide Financial LLC
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Conventional | 1 | 0.6% | 100% | $185,000 | |
Member First Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $165,000 | |
Endeavor Capital, LLC
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FHA | 1 | 0.6% | 100% | $145,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.6% | 50% | $465,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.6% | 100% | $85,000 | |
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A5.0 ★Texas Ratio: 12.35% |
VA | 1 | 0.6% | 50% | $215,000 | View |
The Mortgage Link, Inc.
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Conventional | 1 | 0.6% | 100% | $175,000 | |
Village Capital & Investment
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FHA | 1 | 0.6% | 75% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Carbondale Mortgage Rate Trends
Daily average mortgage rates for Illinois compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Carbondale, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Carbondale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carbondale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carbondale, IL
Use these to narrow the list above. Each category shows how many Carbondale, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Carbondale, IL
Independent mortgage companies closed 64.5 percent of home loans in Carbondale, Illinois in 2025, banks 19.5 percent and credit unions 16 percent. Cmg Mortgage Inc was the largest mortgage company, Regions Bank the largest bank and SIU Credit Union the largest credit union. Among lenders headquartered in Illinois, SIU Credit Union led with 24 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Illinois. State transfer tax of $0.50 per $500 plus a county tax of $0.25 per $500, usually paid by the seller; Chicago adds $3.75 per $500 paid by the buyer and $1.50 per $500 paid by the seller, and many suburbs levy their own stamps. No mortgage recording tax.
More Illinois Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Carbondale, IL
By home loans closed in 2025, SIU Credit Union was the largest mortgage lender in Carbondale, Illinois with 24 loans, about 14.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Carbondale, Illinois in 2025, led by Guild Mortgage Company with 5. 15 lenders closed VA loans, led by Mortgage Research Center, and 4 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 22 banks and 5 credit unions closed home loans in Carbondale, Illinois in 2025, alongside 29 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Carbondale, Illinois during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Carbondale, Illinois for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Carbondale. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
