Mortgage Lenders and Brokers in Carterville, 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
Carterville, Illinois mortgage lenders include The Bank of HerrinThe Bank of Herrin1001 S Division St, Carterville, IL 62918B+4.2 ★Texas Ratio: 8.88%, Banterra BankBanterra Bank108 S Plaza Dr New Rt 13 East, Carterville, IL 62918A4.7 ★Texas Ratio: 4.32%, Peoples National Bank, N.A.Peoples National Bank, N.A.208 Public Sq, Benton, IL 62812A5.0 ★Texas Ratio: 9.39%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA300 S Division St, Carterville, IL 62918A+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%, SIU Credit UnionSIU Credit Union1175 E Main St, Carbondale, IL 62901 3126A+5.0 ★Texas Ratio: 4.91%, Legence BankLegence Bank605 W Main St, Benton, IL 62812A+5.0 ★Texas Ratio: 3.07%, Regions BankRegions Bank2850 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 4.37%, First Financial Bank NAFirst Financial Bank NA400 Public Sq, Benton, IL 62812A+5.0 ★Texas Ratio: 3.47%, and Fifth Third Bank, National AssociationFifth Third Bank, National Association777 W Army Trail Blvd, Addison, IL 60101A+5.0 ★Texas Ratio: 3.22%. 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 Carterville, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carterville 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 Carterville, Illinois
Market share is the lender's share of all home loans closed in Carterville, 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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1 office in Carterville 1001 S Division St, Carterville, IL 62918 B+4.2 ★Texas Ratio: 8.88% |
Conventional | 6 | 2.6% | 100% | $166,666 | View |
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1 office in Carterville 108 S Plaza Dr New Rt 13 East, Carterville, IL 62918 A4.7 ★Texas Ratio: 4.32% |
Conventional | 6 | 2.6% | 88.9% | $301,666 | View |
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1 office in Carterville 208 Public Sq, Benton, IL 62812 A5.0 ★Texas Ratio: 9.39% |
Conventional | 6 | 2.6% | 100% | $133,333 | View |
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1 office in Carterville 300 S Division St, Carterville, IL 62918 A+5.0 ★Texas Ratio: 3.88% |
Conventional, HELOC | 4 +5 HELOCs |
1.8% | 100% | $250,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 10 +4 HELOCs |
4.4% | 83.3% | $199,000 | View |
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1175 E Main St, Carbondale, IL 62901 3126 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 10 | 4.4% | 83.3% | $179,000 | View |
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605 W Main St, Benton, IL 62812 A+5.0 ★Texas Ratio: 3.07% |
Conventional | 4 | 1.8% | 100% | $267,500 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +3 HELOCs |
1.3% | 50% | $71,666 | View |
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400 Public Sq, Benton, IL 62812 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 2 | 0.9% | 100% | $130,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +5 HELOCs |
0.4% | 100% | $135,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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550 N 2nd St, Breese, IL 62230 B+4.7 ★Texas Ratio: 18.69% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
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4807 W Main St, Belleville, IL 62226 4722 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
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115 S Madison St, Lebanon, IL 62254 B+4.8 ★Texas Ratio: 17.14% |
Conventional | 1 | 0.4% | 100% | $545,000 | View |
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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 1 | 0.4% | 50% | $185,000 | View |
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900 W Main St, Carlinville, IL 62626 A+5.0 ★Texas Ratio: 2.47% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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285 Southwoods Ctr, Columbia, IL 62236 A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.4% | 100% | $415,000 | View |
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625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.4% | 100% | $555,000 | View |
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★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $185,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
Conventional | 1 | 0.4% | 50% | $95,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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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B-4.4 ★Texas Ratio: 22.22% |
Conventional | 12 | 5.3% | 92.9% | $183,333 | View |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.9% | 100% | $75,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.9% | 66.7% | $195,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Community Banc Mortgage Corp
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Compass Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 19 | 8.4% | 100% | $293,947 | |
Rocket Mortgage
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Conventional, FHA, VA | 17 | 7.5% | 81.8% | $173,235 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, VA | 14 | 6.2% | 100% | $112,857 | |
Mortgage Research Center
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Conventional, VA | 13 | 5.7% | 92.9% | $264,230 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 3.1% | 87.5% | $266,428 | |
FirstTrust Home Loans
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Conventional, FHA, VA, USDA | 7 | 3.1% | 100% | $186,428 | |
Nations Direct Mortgage, LLC
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Conventional | 7 | 3.1% | 100% | $280,714 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA | 6 | 2.6% | 87.5% | $228,333 | |
United Wholesale Mortgage
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Conventional, VA | 5 | 2.2% | 100% | $397,000 | |
Loansteady LLC
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Conventional, USDA | 4 | 1.8% | 100% | $207,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.3% | 100% | $215,000 | |
Nationstar Mortgage
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Conventional | 3 | 1.3% | 100% | $151,666 | |
Royal United Mortgage LLC
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Conventional, FHA | 2 | 0.9% | 100% | $240,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, VA | 2 | 0.9% | 100% | $335,000 | View |
Amerisave Mortgage Company
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FHA, VA | 2 | 0.9% | 100% | $105,000 | |
Discover Bank
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Conventional | 2 | 0.9% | 40% | $90,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.9% | 100% | $135,000 | View |
Wolfe Financial Inc
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Conventional, USDA | 2 | 0.9% | 100% | $185,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.9% | 100% | $465,000 | View |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.9% | 50% | $220,000 | |
21St Mortgage
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Conventional | 2 | 0.9% | 66.7% | $85,000 | |
Gershman Investment Corp.
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Conventional | 2 | 0.9% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $95,000 | |
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A+5.0 ★Texas Ratio: 3.47% |
FHA | 1 | 0.4% | 100% | $275,000 | View |
Zippy Loans, LLC
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Conventional | 1 | 0.4% | 100% | $25,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $35,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 50% | $165,000 | View |
loanDepot.com LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Family Finance Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Towne Mortgage Company
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USDA | 1 | 0.4% | 100% | $225,000 | |
Bank of Little Rock Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Lower, LLC
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VA | 1 | 0.4% | 100% | $155,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.4% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.4% | 66.7% | $205,000 | View |
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A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.4% | 100% | $135,000 | |
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A5.0 ★Texas Ratio: 12.35% |
FHA | 1 | 0.4% | 50% | $115,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Liberty Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Carterville 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 Carterville, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Carterville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carterville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carterville, IL
Use these to narrow the list above. Each category shows how many Carterville, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Carterville, IL
Independent mortgage companies closed 59.9 percent of home loans in Carterville, Illinois in 2025, banks 34.4 percent and credit unions 5.7 percent. Guaranteed Rate, Inc. was the largest mortgage company, The Bank of Herrin the largest bank and SIU Credit Union the largest credit union. Among lenders headquartered in Illinois, The Bank of Herrin led with 6 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 Carterville, IL
By home loans closed in 2025, The Bank of Herrin was the largest mortgage lender in Carterville, Illinois with 6 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Carterville, Illinois in 2025, led by Rocket Mortgage with 6. 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. 34 banks and 5 credit unions closed home loans in Carterville, Illinois in 2025, alongside 35 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 Carterville, 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 Carterville, 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 Carterville. 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.
