Mortgage Lenders and Brokers in Chatham, 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
Chatham, Illinois mortgage lenders include Inb, National AssociationInb, National Association100 E Plummer Blvd, Chatham, IL 62629A5.0 ★Texas Ratio: 9.74%, Bank of SpringfieldBank of Springfield1140 Commercial Ct, Chatham, IL 62629A5.0 ★Texas Ratio: 13.68%, United Community BankUnited Community Bank301 N Main St, Chatham, IL 62629A+5.0 ★Texas Ratio: 2.53%, Morton Community BankMorton Community Bank470 N Main Plz, Chatham, IL 62629A+5.0 ★Texas Ratio: 5.85%, Alliance Community BankAlliance Community Bank200 N West St, Athens, IL 62613A+5.0 ★Texas Ratio: 3.93%, Security BankSecurity Bank2500 Stevenson Dr, Springfield, IL 62703A+5.0 ★Texas Ratio: 0.96%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%, Prairie State Bank & TrustPrairie State Bank & Trust1101 Trinity Ln, Bloomington, IL 61704A+5.0 ★Texas Ratio: 2.86%, Hickory Point Bank & TrustHickory Point Bank & Trust202 W Park Ave, Champaign, IL 61820A+5.0 ★Texas Ratio: 1.00%, and Heartland Bank & Trust CompanyHeartland Bank & Trust Company485 Lake St, Antioch, IL 60002A+5.0 ★Texas Ratio: 0.84%. 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 Chatham, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chatham 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 Chatham, Illinois
Market share is the lender's share of all home loans closed in Chatham, 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 Chatham 100 E Plummer Blvd, Chatham, IL 62629 A5.0 ★Texas Ratio: 9.74% |
Conventional, FHA, VA | 57 | 16.8% | 91.9% | $276,052 | View |
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1 office in Chatham 1140 Commercial Ct, Chatham, IL 62629 A5.0 ★Texas Ratio: 13.68% |
Conventional, FHA, VA | 42 | 12.4% | 97.7% | $255,238 | View |
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301 N Main St, Chatham, IL 62629 A+5.0 ★Texas Ratio: 2.53% |
Conventional, HELOC | 35 +14 HELOCs |
10.3% | 94.6% | $206,142 | View |
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1 office in Chatham 470 N Main Plz, Chatham, IL 62629 A+5.0 ★Texas Ratio: 5.85% |
Conventional, HELOC | 11 +2 HELOCs |
3.2% | 100% | $165,909 | View |
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200 N West St, Athens, IL 62613 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 11 | 3.2% | 100% | $202,272 | View |
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2500 Stevenson Dr, Springfield, IL 62703 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 7 | 2.1% | 100% | $192,142 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 1.8% | 85.7% | $265,000 | View |
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1101 Trinity Ln, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 6 | 1.8% | 100% | $315,000 | View |
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202 W Park Ave, Champaign, IL 61820 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 5 | 1.5% | 100% | $309,000 | View |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
Conventional, FHA | 5 | 1.5% | 75% | $187,000 | View |
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10 W Plummer Blvd, Chatham, IL 62629 A+5.0 ★Texas Ratio: 2.47% |
Conventional | 5 | 1.5% | 100% | $191,000 | View |
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300 Washington St, Beardstown, IL 62618 A+5.0 ★Texas Ratio: 1.02% |
Conventional | 4 | 1.2% | 80% | $245,000 | 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, HELOC | 3 +1 HELOCs |
0.9% | 100% | $221,666 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 66.7% | $350,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $365,000 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA | 2 | 0.6% | 83.3% | $205,000 | View |
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201 E State St, Modesto, IL 62667 A+5.0 ★Texas Ratio: 2.61% |
Conventional | 2 | 0.6% | 100% | $210,000 | View |
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1309 Swanwick St, Chester, IL 62233 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional | 1 | 0.3% | 100% | $205,000 | |
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1722 E Hamilton Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
Williamsville State Bank & Trust
6092 Business I 55, Sherman, IL 62684 |
Conventional | 1 | 0.3% | 100% | $45,000 | |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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400 E Buchanan St, Ashland, IL 62612 A-4.9 ★Texas Ratio: 16.10% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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121 S Pennsylvania St, Chrisman, IL 61924 A5.0 ★Texas Ratio: 8.41% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $365,000 | View |
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950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Heartland Credi T Union
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Conventional, HELOC | 9 +16 HELOCs |
2.7% | 100% | $253,888 | |
Citizens Equity First Credit U
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Conventional, HELOC | 6 +15 HELOCs |
1.8% | 85.7% | $271,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 6 | 1.8% | 100% | $361,666 | |
Mutual of Omaha Mortgage
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FHA, VA | 3 | 0.9% | 75% | $251,666 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.3% | 100% | $325,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 14 | 4.1% | 87.5% | $231,428 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 11 | 3.2% | 100% | $298,636 | |
Freedom Mortgage Corporation
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FHA, VA | 10 | 2.9% | 92.3% | $298,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 2.7% | 91.7% | $289,444 | |
Mortgage Research Center
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VA | 8 | 2.4% | 80% | $335,000 | |
Affordable Mortgage Advisors
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Conventional | 4 | 1.2% | 100% | $327,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 4 | 1.2% | 100% | $205,000 | |
Leaderone Financial Corp.
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Conventional, FHA, VA | 4 | 1.2% | 100% | $170,000 | |
Guild Mortgage Company
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Conventional, VA | 3 | 0.9% | 100% | $378,333 | |
New American Funding, LLC.
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Conventional | 3 | 0.9% | 100% | $238,333 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 2 +1 HELOCs |
0.6% | 50% | $330,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.6% | 66.7% | $405,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.6% | 100% | $100,000 | View |
Servion
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 75% | $215,000 | |
Newrez LLC
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FHA | 1 | 0.3% | 50% | $155,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.3% | 100% | $375,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.3% | 100% | $555,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $85,000 | |
Real Genius LLC
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Point Mortgage Corp
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Nations Lending Corporation
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FHA | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
CB&S Bank
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Lower, LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.3% | 100% | $575,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Gershman Investment Corp.
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $285,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Chatham 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 Chatham, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Chatham? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chatham in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Chatham, IL
Use these to narrow the list above. Each category shows how many Chatham, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Chatham, IL
Independent mortgage companies closed 29.2 percent of home loans in Chatham, Illinois in 2025, banks 65.5 percent and credit unions 5.3 percent. Guaranteed Rate, Inc. was the largest mortgage company, Inb, National Association the largest bank and University of Illinois Community Credit Union the largest credit union. Among lenders headquartered in Illinois, Inb, National Association led with 57 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 Chatham, IL
By home loans closed in 2025, Inb, National Association was the largest mortgage lender in Chatham, Illinois with 57 loans, about 16.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Chatham, Illinois, Inb, National Association approved the highest share of completed applications in 2025 at 91.9 percent, against a 92.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Chatham, Illinois in 2025, led by Freedom Mortgage Corporation with 6. 19 lenders closed VA loans, led by Mortgage Research Center. 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. 33 banks and 5 credit unions closed home loans in Chatham, Illinois in 2025, alongside 34 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 Chatham, 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 Chatham, 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 Chatham. 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.
