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Mortgage Lenders and Brokers in Crystal Lake, Illinois

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Crystal Lake, Illinois mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA550 Crystal Point Drive + Rt 14, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.350 Commonwealth Dr, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 2.85%, Home State Bank National AssociationHome State Bank National AssociationRoute 14 And Main Street, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 0.47%, Fifth Third Bank, National AssociationFifth Third Bank, National Association265 W Virginia St, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 3.22%, Bank of America NABank of America NA99 Northwest Hwy, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 4.14%, Crystal Lake Bank & Trust Company, N.A.Crystal Lake Bank & Trust Company, N.A.27 North Main Street, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 2.94%, PNC Bank N.A.PNC Bank N.A.5745 Northwest Hwy, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 4.24%, Associated Bank NAAssociated Bank NA180 W Virginia St, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 3.45%, Citibank, NACitibank, NA225 W Virginia St, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 2.82%, and Cornerstone National Bank & Trust CompanyCornerstone National Bank & Trust Company1185 S Il Route 31, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 0.20%. 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 Crystal Lake, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Crystal Lake 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 Crystal Lake, Illinois

Market share is the lender's share of all home loans closed in Crystal Lake, 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
JPMorgan Chase Bank, NA 1 office in Crystal Lake 550 Crystal Point Drive + Rt 14, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	26 +9 HELOCs	3.5%	87.5%	$284,615	View
US Bank, N.A. 1 office in Crystal Lake 350 Commonwealth Dr, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	9 +6 HELOCs	1.2%	58.8%	$201,666	View
Home State Bank National Association 2 offices in Crystal Lake Route 14 And Main Street, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 0.47%	Conventional	8	1.1%	100%	$312,500	View
Fifth Third Bank, National Association 1 office in Crystal Lake 265 W Virginia St, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	6 +28 HELOCs	0.8%	60%	$206,666	View
Bank of America NA 1 office in Crystal Lake 99 Northwest Hwy, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	6 +8 HELOCs	0.8%	75%	$306,666	View
Crystal Lake Bank & Trust Company, N.A. 2 offices in Crystal Lake 27 North Main Street, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 2.94%	Conventional	4	0.5%	100%	$532,500	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Crystal Lake 5745 Northwest Hwy, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 4.24%	Conventional, VA, HELOC	3 +17 HELOCs	0.4%	100%	$331,666	View
Associated Bank NA 1 office in Crystal Lake 180 W Virginia St, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 3.45%	Conventional, HELOC	3 +7 HELOCs	0.4%	100%	$265,000	View
Citibank, NA 1 office in Crystal Lake 225 W Virginia St, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	3 +2 HELOCs	0.4%	100%	$261,666	View
Cornerstone National Bank & Trust Company 1 office in Crystal Lake 1185 S Il Route 31, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 0.20%	Conventional	3	0.4%	100%	$248,333	View
BMO Harris Bank NA 2 offices in Crystal Lake 1105 S State Route 31, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +35 HELOCs	0%	0%		View
Baxter Credit Union 415 S Main St, Crystal Lake, IL 60014 A5.0 ★Texas Ratio: 6.31%	Conventional, Jumbo, HELOC	31 +26 HELOCs	4.2%	76.6%	$223,709	View
Barrington Bank & Trust Company, N.A. 233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20%	Conventional	24	3.3%	100%	$310,833	View
Huntington National Bank 103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66%	Conventional, HELOC	8 +8 HELOCs	1.1%	72.7%	$338,750	View
Consumers Credit Union 950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15%	Conventional, HELOC	5 +9 HELOCs	0.7%	100%	$91,000	View
Alliant Credit Union 11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04%	Conventional, HELOC	4 +3 HELOCs	0.5%	100%	$445,000	View
Old National Bank 11900 S Pulaski Rd, Alsip, IL 60803 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	4 +2 HELOCs	0.5%	100%	$220,000	View
North Shore Trust & Savings 3060 W Sand Lake Rd, Lindenhurst, IL 60046 A+5.0 ★Texas Ratio: 3.87%	Conventional, FHA	4	0.5%	100%	$205,000	View
Wells Fargo Bank NA 245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	4	0.5%	80%	$395,000	View
The Federal Savings Bank 4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	4	0.5%	100%	$217,500	View
First National Bank of Omaha 1725 S State St, Belvidere, IL 61008 A+5.0 ★Texas Ratio: 4.82%	Conventional, FHA, HELOC	3 +4 HELOCs	0.4%	100%	$188,333	View
Republic Bank of Chicago 1640 W Lake St, Addison, IL 60101 A-5.0 ★Texas Ratio: 15.03%	Conventional	3	0.4%	100%	$198,333	View
CIBM Bank 1801 E Empire St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 8.91%	Conventional	3	0.4%	100%	$248,333	View
Success Lending, LLC 1807 W Cermak Rd, Broadview, IL 60155 A+5.0 ★Texas Ratio: 3.62%	FHA	2	0.3%	100%	$330,000	View
First Federal Savings Bank 111 E Main St, Amboy, IL 61310 A5.0 ★Texas Ratio: 8.80%	Conventional	2	0.3%	100%	$155,000	View
Old Second National Bank 2000 W Galena Blvd, Aurora, IL 60506 A5.0 ★Texas Ratio: 6.17%	Conventional	2	0.3%	100%	$70,000	View
First American Bank 1780 W Fullerton Ave, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$65,000	View
DuPage Credit Union 725 Ogden Ave, Downers Grove, IL 60515 2915 A+5.0 ★Texas Ratio: 3.55%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$125,000	View
Royal Business Bank 3233 S Ashland Ave, Chicago, IL 60608 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$225,000	View
First State Mortgage Services 825 N Randall Rd, Batavia, IL 60510	Conventional	1	0.1%	100%	$295,000
First Mid Bank and Trust, NA 101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88%	Conventional	1	0.1%	100%	$245,000	View
Healthcare Associates Credit Union 249 S River Rd, Des Plaines, IL 60016 A+5.0 ★Texas Ratio: 5.30%	Conventional	1	0.1%	100%	$65,000	View
United Home Loans, Inc. 4747 W Peterson Ave Ste 100, Chicago, IL 60646	Conventional	1	0.1%	100%	$395,000
Waterman Bank 1747 W North Ave, Chicago, IL 60622 A5.0 ★Texas Ratio: 8.69%	Conventional	1	0.1%	100%	$485,000	View
Central Federal Savings & Loan Association 6940 Ogden Ave, Berwyn, IL 60402	Conventional	1	0.1%	100%	$315,000
Flanagan State Bank 403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58%	Conventional	1	0.1%	100%	$385,000	View
Great Lakes Credit Union 345 E Congress Pkwy, Crystal Lake, IL 60014 A5.0 ★Texas Ratio: 9.76%	HELOC	0 +2 HELOCs	0%	0%		View
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	32 +8 HELOCs	4.3%	97.1%	$301,875
Key Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, VA	15	2%	100%	$301,000	View
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	5	0.7%	100%	$275,000	View
Guaranteed Rate Affinity, LLC	Conventional, FHA	4	0.5%	100%	$325,000
Mutual of Omaha Mortgage	Conventional, VA	4	0.5%	100%	$282,500
Compass Mortgage, Inc.	Conventional	4	0.5%	100%	$370,000
Originpoint, LLC	Conventional	3	0.4%	100%	$205,000
Diamond Residential Mtg Corp	Conventional	2	0.3%	100%	$165,000
Cmg Mortgage Inc	Conventional	2	0.3%	100%	$320,000
Neighborhood Loans, Inc	Conventional	1	0.1%	25%	$5,000
The Anderson Financial Group, Inc.	Conventional	1	0.1%	100%	$135,000
Abbott Laboratories Employees Credit Union	Conventional	1	0.1%	100%	$105,000
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	57 +1 HELOCs	7.7%	92.2%	$304,298
Rocket Mortgage	Conventional, FHA, VA	56	7.6%	86.2%	$211,964
Fairway Independent Mort Corp	Conventional, FHA	32	4.3%	91.7%	$297,500
Lennar Mortgage, LLC	Conventional	28	3.8%	87.5%	$337,142
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	24 +3 HELOCs	3.3%	100%	$301,666
Nationstar Mortgage	Conventional, FHA, VA	19	2.6%	90.5%	$161,315
Union Home Mortgage Corp.	Conventional, FHA	16	2.2%	100%	$376,250
Greenstate Credit Union	Conventional, HELOC	15 +2 HELOCs	2%	85.7%	$236,333
Pennymac Loan Services LLC	Conventional, FHA, VA	13	1.8%	92.9%	$190,384
Freedom Mortgage Corporation	Conventional, FHA, VA	12	1.6%	92.3%	$282,500
New American Funding, LLC.	Conventional, FHA, HELOC	11 +1 HELOCs	1.5%	91.7%	$295,909
loanDepot.com LLC	Conventional, FHA, VA	10	1.4%	76.9%	$277,000
Newrez LLC	Conventional, VA	9	1.2%	60%	$217,222
Guild Mortgage Company	Conventional, FHA	9	1.2%	100%	$279,444
Towne Mortgage Company	Conventional, FHA, VA	9	1.2%	100%	$312,777
The Loan Store, Inc	Conventional	9	1.2%	100%	$276,111
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	9	1.2%	100%	$283,888
Nations Lending Corporation	Conventional, FHA	7	0.9%	100%	$347,857
Prosperity Home Mortgage, LLC	Conventional	7	0.9%	87.5%	$342,142
Spring Eq, LLC	Conventional, HELOC	5 +3 HELOCs	0.7%	41.7%	$67,000
Bay Equity LLC	Conventional	5	0.7%	100%	$335,000
American Pacific Mortgage Corporation	Conventional, VA	5	0.7%	100%	$337,000
Mortgage Research Center	VA	5	0.7%	83.3%	$363,000
Resicentral LLC	Conventional	4	0.5%	80%	$285,000
Cardinal Financial Company, Li	Conventional, FHA	4	0.5%	100%	$265,000
Zillow Home Loans, LLC	Conventional, FHA	4	0.5%	80%	$375,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	4	0.5%	100%	$250,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.5%	80%	$257,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	3 +1 HELOCs	0.4%	50%	$358,333
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.4%	100%	$291,666	View
PHH Mortgage Corporation	Conventional	3	0.4%	75%	$365,000
Amerisave Mortgage Company	Conventional, FHA	3	0.4%	37.5%	$145,000
Waterstone Mortgage Corporation	Conventional	3	0.4%	75%	$345,000
Premier Mortgage Resources, LLC	Conventional, FHA	2	0.3%	100%	$140,000
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	2	0.3%	100%	$305,000
Nbkc Bank	Conventional, VA	2	0.3%	100%	$440,000
Synergy One Lending, Inc.	Conventional, FHA	2	0.3%	66.7%	$300,000
Discover Bank	Conventional	2	0.3%	12.5%	$100,000
Select Lending Services, LLC	Conventional	2	0.3%	100%	$315,000
Nfm, Inc	Conventional	2	0.3%	100%	$380,000
Mortgage Center LC	Conventional	2	0.3%	100%	$135,000
Nations Direct Mortgage, LLC	Conventional	2	0.3%	100%	$300,000
Lower, LLC	Conventional, FHA	2	0.3%	100%	$265,000
Carrington Mortgage Services LLC A5.0 ★Texas Ratio: 12.35%	FHA	2	0.3%	75%	$225,000	View
Tomo Mortgage LLC	Conventional, FHA	2	0.3%	100%	$390,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	2	0.3%	100%	$265,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$45,000	View
Kind Lending, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$355,000
Mission Loans, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$235,000
Ruoff Mortgage Company	Conventional	1	0.1%	100%	$205,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$375,000
First Community Mortgage, Inc.	FHA	1	0.1%	100%	$315,000
American Financial Resources LLC	FHA	1	0.1%	100%	$335,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$35,000
Primelending	Conventional	1	0.1%	100%	$385,000
Gold Star Mortgage Financial Group, Corporation	VA	1	0.1%	100%	$355,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0.1%	100%	$235,000	View
Everett Financial, Inc.	FHA	1	0.1%	100%	$295,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$205,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	1	0.1%	50%	$55,000	View
AmWest Funding Corp	Conventional	1	0.1%	100%	$215,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	FHA	1	0.1%	100%	$415,000	View
Sun West Mortgage Company, Inc	FHA	1	0.1%	100%	$285,000
Ross Mortgage Corporation	Conventional	1	0.1%	100%	$115,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$365,000	View
Network Funding, L.P.	Conventional	1	0.1%	100%	$315,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$325,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$55,000
Flat Branch Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
Securitynational Mortgage Company	FHA	1	0.1%	100%	$355,000
Geneva Financial LLC	FHA	1	0.1%	100%	$295,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$295,000
Transportation Federal Credit Union	Conventional	1	0.1%	100%	$45,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$275,000
Provident Funding Associates	Conventional	1	0.1%	100%	$285,000
Nicolet National Bank A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0.1%	100%	$195,000	View
Sierra Pacific Mortgage Co. Inc	FHA	1	0.1%	100%	$425,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$465,000	View
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$305,000
Self Help Federal Credit Union	Conventional	1	0.1%	100%	$385,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$265,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$225,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$135,000	View
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$315,000	View
Summit Mortgage Corporation	Conventional	1	0.1%	100%	$445,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$145,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$355,000	View
21St Mortgage	Conventional	1	0.1%	25%	$45,000
Paramount Residential Mortgage	FHA	1	0.1%	100%	$335,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$175,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$105,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$285,000
Village Capital & Investment	VA	1	0.1%	100%	$395,000
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Advia Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +3 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Uw Credit Union	HELOC	0 +2 HELOCs	0%	n/a
First Savings Bank A+5.0 ★Texas Ratio: 0.18%	HELOC	0 +2 HELOCs	0%	n/a		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +2 HELOCs	0%	n/a		View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Msu Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Purdue Federal Cu	HELOC	0 +1 HELOCs	0%	n/a
North Shore Bank A+5.0 ★Texas Ratio: 0.50%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Crystal Lake Mortgage Rate Trends

Daily average mortgage rates for Illinois compared with the national average, updated every evening.

30-Year Fixed IL Avg

7.539%

▲ 0.123 vs 7 days ago

15-Year Fixed IL Avg

7.032%

▲ 0.101 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Crystal Lake, Illinois

Looking for mortgage lenders near me or mortgage brokers near me in Crystal Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Crystal Lake in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Crystal Lake, IL

Use these to narrow the list above. Each category shows how many Crystal Lake, IL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 88 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 48 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 43 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 19 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in IL 36 lenders headquartered in Illinois, the closest thing to a mortgage lender near you

Who Lends in Crystal Lake, IL

Independent mortgage companies closed 69.1 percent of home loans in Crystal Lake, Illinois in 2025, banks 22 percent and credit unions 8.9 percent. Success Lending, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Baxter Credit Union the largest credit union. Among lenders headquartered in Illinois, Home State Bank National Association led with 8 loans.

69.1%

Mortgage companies

22%

Banks

8.9%

Credit unions

13%

FHA loans

VA 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

All Illinois lenders 932 lenders Chicago 527 lenders Joliet 211 lenders Naperville 240 lenders Rockford 167 lenders Aurora 206 lenders Springfield 140 lenders Elgin 204 lenders Plainfield 186 lenders Peoria 137 lenders Bolingbrook 168 lenders Belleville 141 lenders Oswego 159 lenders

Frequently Asked Questions About Mortgage Lenders in Crystal Lake, IL

Who is the largest mortgage lender in Crystal Lake, IL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Crystal Lake, Illinois with 26 loans, about 3.5 percent of the market. The largest lender headquartered in Illinois was Home State Bank National Association with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Crystal Lake, IL have the highest approval rates?

Among lenders with meaningful volume in Crystal Lake, Illinois, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 92.2 percent, against a 86.3 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.

Which Crystal Lake, IL mortgage lenders offer FHA, VA and USDA loans?

43 lenders closed FHA loans in Crystal Lake, Illinois in 2025, led by United Wholesale Mortgage with 13. 19 lenders closed VA loans, led by United Wholesale Mortgage. 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.

Are credit unions and local banks included in this Crystal Lake, IL lender list?

Yes. 48 banks and 19 credit unions closed home loans in Crystal Lake, Illinois in 2025, alongside 88 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.

How are mortgage lenders in Crystal Lake, IL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Crystal Lake, 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 Crystal Lake, 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 Crystal Lake. 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.