Mortgage Lenders and Brokers in Columbia, 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
Columbia, Illinois mortgage lenders include First National Bank of WaterlooFirst National Bank of Waterloo1421 N Main St, Columbia, IL 62236A5.0 ★Texas Ratio: 8.07%, Fcb BanksFcb Banks700 Columbia Centre, Columbia, IL 62236A5.0 ★Texas Ratio: 7.31%, Regions BankRegions Bank100 Columbia Centre, Columbia, IL 62236A+5.0 ★Texas Ratio: 4.37%, Associated Bank NAAssociated Bank NA238 N Main St, Columbia, IL 62236A+5.0 ★Texas Ratio: 3.45%, The Central Trust BankThe Central Trust Bank285 Southwoods Ctr, Columbia, IL 62236A+5.0 ★Texas Ratio: 3.12%, State BankState Bank1525 N Main St, Columbia, IL 62236C+4.1 ★Texas Ratio: 25.55%, Commerce BankCommerce Bank995 Columbia Centre, Columbia, IL 62236A+5.0 ★Texas Ratio: 0.89%, Midland States BankMidland States Bank200 Quarry Rd, Columbia, IL 62236A5.0 ★Texas Ratio: 9.50%, Bank of BellevilleBank of Belleville215 S Illinois St, Belleville, IL 62220B4.6 ★Texas Ratio: 19.57%, and Scott Credit UnionScott Credit Union1000 Eleven S Ste 1A, Columbia, IL 62236 1078A+5.0 ★Texas Ratio: 3.36%. 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 Columbia, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Columbia 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 Columbia, Illinois
Market share is the lender's share of all home loans closed in Columbia, 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 Columbia 1421 N Main St, Columbia, IL 62236 A5.0 ★Texas Ratio: 8.07% |
Conventional | 11 | 5.3% | 100% | $255,909 | View |
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1 office in Columbia 700 Columbia Centre, Columbia, IL 62236 A5.0 ★Texas Ratio: 7.31% |
Conventional, VA, HELOC | 8 +3 HELOCs |
3.9% | 88.9% | $282,500 | View |
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1 office in Columbia 100 Columbia Centre, Columbia, IL 62236 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 6 +12 HELOCs |
2.9% | 66.7% | $58,333 | View |
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1 office in Columbia 238 N Main St, Columbia, IL 62236 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 3 +6 HELOCs |
1.5% | 100% | $221,666 | View |
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1 office in Columbia 285 Southwoods Ctr, Columbia, IL 62236 A+5.0 ★Texas Ratio: 3.12% |
Conventional, HELOC | 3 +3 HELOCs |
1.5% | 100% | $275,000 | View |
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1 office in Columbia 1525 N Main St, Columbia, IL 62236 C+4.1 ★Texas Ratio: 25.55% |
Conventional | 3 | 1.5% | 80% | $358,333 | View |
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1 office in Columbia 995 Columbia Centre, Columbia, IL 62236 A+5.0 ★Texas Ratio: 0.89% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
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1 office in Columbia 200 Quarry Rd, Columbia, IL 62236 A5.0 ★Texas Ratio: 9.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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215 S Illinois St, Belleville, IL 62220 B4.6 ★Texas Ratio: 19.57% |
Conventional, Jumbo | 3 | 1.5% | 100% | $295,000 | View |
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1000 Eleven S Ste 1A, Columbia, IL 62236 1078 A+5.0 ★Texas Ratio: 3.36% |
Conventional, HELOC | 2 +7 HELOCs |
1% | 100% | $250,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional, VA, HELOC | 2 +2 HELOCs |
1% | 100% | $285,000 | View |
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701 Belt Line Rd, Collinsville, IL 62234 A+5.0 ★Texas Ratio: 0.23% |
Conventional | 2 | 1% | 100% | $320,000 | View |
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115 S Madison St, Lebanon, IL 62254 B+4.8 ★Texas Ratio: 17.14% |
Conventional | 2 | 1% | 100% | $150,000 | View |
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3553 College Ave, Alton, IL 62002 A5.0 ★Texas Ratio: 11.80% |
Conventional | 2 | 1% | 100% | $125,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 25% | $215,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $505,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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1309 Swanwick St, Chester, IL 62233 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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725 Ogden Ave, Downers Grove, IL 60515 2915 A+5.0 ★Texas Ratio: 3.55% |
Conventional | 1 | 0.5% | 100% | $95,000 | View |
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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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620 N State St, Freeburg, IL 62243 D3.1 ★Texas Ratio: 38.34% |
Conventional | 1 | 0.5% | 100% | $125,000 | 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 | 0.5% | 100% | $155,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.5% | 100% | $185,000 | 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 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 12 | 5.8% | 100% | $286,666 | |
Cmg Mortgage Inc
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Conventional, VA | 2 | 1% | 100% | $355,000 | |
Citizens Equity First Credit U
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $235,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $375,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, USDA | 31 | 15% | 93.9% | $290,161 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 5.8% | 100% | $262,500 | |
Rocket Mortgage
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Conventional, VA | 9 | 4.4% | 75% | $233,888 | |
New American Funding, LLC.
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Conventional | 6 | 2.9% | 100% | $278,333 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 5 | 2.4% | 100% | $263,000 | View |
Guild Mortgage Company
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Conventional, VA | 5 | 2.4% | 100% | $281,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +2 HELOCs |
1.5% | 100% | $178,333 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, HELOC | 3 +1 HELOCs |
1.5% | 100% | $391,666 | View |
Freedom Mortgage Corporation
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VA | 3 | 1.5% | 75% | $261,666 | |
Primelending
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Conventional | 3 | 1.5% | 100% | $295,000 | |
Discover Bank
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Conventional | 3 | 1.5% | 50% | $78,333 | |
Das Acquisition Company, LLC
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Conventional | 3 | 1.5% | 100% | $428,333 | |
Nationstar Mortgage
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Conventional | 3 | 1.5% | 100% | $265,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 3 | 1.5% | 100% | $288,333 | View |
Gershman Investment Corp.
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Conventional | 3 | 1.5% | 100% | $348,333 | |
First Community Credit Union
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Conventional, HELOC | 2 +4 HELOCs |
1% | 66.7% | $230,000 | |
Newrez LLC
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Conventional | 2 | 1% | 100% | $190,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1% | 100% | $170,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1% | 100% | $280,000 | View |
Mortgage Research Center
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VA | 2 | 1% | 50% | $310,000 | |
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A+5.0 ★Texas Ratio: 5.66% |
Conventional | 2 | 1% | 100% | $475,000 | View |
Endeavor Capital, LLC
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Conventional, FHA | 2 | 1% | 66.7% | $205,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 1% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $265,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $265,000 | |
Valon Mortgage
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $105,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 25% | $295,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.5% | 100% | $175,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.5% | 100% | $345,000 | |
Neighbors Credit Union
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 100% | $35,000 | |
First State Bank of St Charles
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Conventional | 1 | 0.5% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
Jlb Corporation dba Golden Oak Lending
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FHA | 1 | 0.5% | 100% | $245,000 | |
Family Finance Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $295,000 | |
Arsenal Credit Union
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Conventional | 1 | 0.5% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.5% | 100% | $755,000 | View |
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A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.5% | 100% | $705,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 0.5% | 100% | $435,000 | View |
Lower, LLC
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Conventional | 1 | 0.5% | 100% | $465,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 4.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Columbia 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 Columbia, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Columbia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Columbia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Columbia, IL
Use these to narrow the list above. Each category shows how many Columbia, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Columbia, IL
Independent mortgage companies closed 57.3 percent of home loans in Columbia, Illinois in 2025, banks 35.4 percent and credit unions 7.3 percent. Guaranteed Rate, Inc. was the largest mortgage company, First National Bank of Waterloo the largest bank and Scott Credit Union the largest credit union. Among lenders headquartered in Illinois, First National Bank of Waterloo led with 11 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 Columbia, IL
By home loans closed in 2025, First National Bank of Waterloo was the largest mortgage lender in Columbia, Illinois with 11 loans, about 5.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Columbia, Illinois in 2025, led by Fairway Independent Mort Corp with 3. 12 lenders closed VA loans, led by Guaranteed Rate, Inc., and 1 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. 35 banks and 11 credit unions closed home loans in Columbia, Illinois in 2025, alongside 33 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 Columbia, 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 Columbia, 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 Columbia. 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.
