Mortgage Lenders and Brokers in Decatur, 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
Decatur, Illinois mortgage lenders include Regions BankRegions Bank350 N Water St, Decatur, IL 62523A+5.0 ★Texas Ratio: 4.37%, Hickory Point Bank & TrustHickory Point Bank & Trust1880 S Mount Zion Rd, Decatur, IL 62521A+5.0 ★Texas Ratio: 1.00%, Decatur Earthmover Credit UnionDecatur Earthmover Credit Union4855 Aldi Dr, Decatur, IL 62521A+5.0 ★Texas Ratio: 2.47%, Land of Lincoln Credit UnionLand of Lincoln Credit Union3130 E Mound Rd, Decatur, IL 62526A5.0 ★Texas Ratio: 6.47%, Busey BankBusey Bank130 N Water St, Decatur, IL 62523A+5.0 ★Texas Ratio: 2.31%, Heartland Bank & Trust CompanyHeartland Bank & Trust Company303 N Main St, Decatur, IL 62523A+5.0 ★Texas Ratio: 0.84%, Buena Vista National BankBuena Vista National Bank3795 N Woodford St, Decatur, IL 62526A+5.0 ★Texas Ratio: 2.34%, Prairie State Bank & TrustPrairie State Bank & Trust4485 E Us Route 36, Decatur, IL 62521A+5.0 ★Texas Ratio: 2.86%, PNC Bank N.A.PNC Bank N.A.2965 N Water St, Decatur, IL 62526A+5.0 ★Texas Ratio: 4.24%, and First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA455 N Main St, Decatur, IL 62523A+5.0 ★Texas Ratio: 3.88%. 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 Decatur, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Decatur 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 Decatur, Illinois
Market share is the lender's share of all home loans closed in Decatur, 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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3 offices in Decatur 350 N Water St, Decatur, IL 62523 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, VA, HELOC | 54 +26 HELOCs |
4.6% | 61.3% | $125,740 | View |
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4 offices in Decatur 1880 S Mount Zion Rd, Decatur, IL 62521 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 53 | 4.5% | 93.1% | $145,943 | View |
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4855 Aldi Dr, Decatur, IL 62521 A+5.0 ★Texas Ratio: 2.47% |
Conventional, HELOC | 48 +1 HELOCs |
4.1% | 77.4% | $75,000 | View |
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3130 E Mound Rd, Decatur, IL 62526 A5.0 ★Texas Ratio: 6.47% |
Conventional | 43 | 3.6% | 97.8% | $115,465 | View |
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3 offices in Decatur 130 N Water St, Decatur, IL 62523 A+5.0 ★Texas Ratio: 2.31% |
Conventional, FHA, HELOC | 42 +15 HELOCs |
3.6% | 84% | $91,190 | View |
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1 office in Decatur 303 N Main St, Decatur, IL 62523 A+5.0 ★Texas Ratio: 0.84% |
Conventional, FHA, VA, HELOC | 37 +7 HELOCs |
3.1% | 88.9% | $157,702 | View |
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1 office in Decatur 3795 N Woodford St, Decatur, IL 62526 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 28 | 2.4% | 93.5% | $90,714 | View |
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2 offices in Decatur 4485 E Us Route 36, Decatur, IL 62521 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 27 | 2.3% | 96.7% | $122,777 | View |
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★ 1.7 stars, 3 reviews 1 office in Decatur 2965 N Water St, Decatur, IL 62526 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, VA, HELOC | 22 +9 HELOCs |
1.9% | 78.6% | $134,090 | View |
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3 offices in Decatur 455 N Main St, Decatur, IL 62523 A+5.0 ★Texas Ratio: 3.88% |
Conventional, HELOC | 13 +4 HELOCs |
1.1% | 82.4% | $127,307 | View |
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1 office in Decatur 3950 Fountain Ln, Decatur, IL 62522 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 10 | 0.8% | 76.9% | $180,000 | View |
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1688 S Baltimore Ave, Decatur, IL 62521 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 56 | 4.7% | 96.6% | $106,428 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional, FHA | 26 | 2.2% | 96.3% | $137,307 | |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 9 | 0.8% | 81.8% | $176,111 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 7 +2 HELOCs |
0.6% | 50% | $127,857 | View |
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2402 E Washington St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 9.74% |
Conventional, VA | 6 | 0.5% | 85.7% | $193,333 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 5 | 0.4% | 75% | $169,000 | View |
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202 E Ash Ave, Decatur, IL 62526 A5.0 ★Texas Ratio: 11.80% |
Conventional | 5 | 0.4% | 45.5% | $73,000 | View |
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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 4 | 0.3% | 66.7% | $180,000 | View |
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131 N Main St, Atwood, IL 61913 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 4 | 0.3% | 80% | $197,500 | View |
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1015 W Windsor Rd, Champaign, IL 61821 A5.0 ★Texas Ratio: 13.68% |
Conventional | 3 | 0.3% | 100% | $138,333 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
Conventional | 3 | 0.3% | 75% | $185,000 | View |
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103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 0.2% | 100% | $115,000 | View |
Longview Community Bank
100 E Olive St, Chestnut, IL 62518 |
Conventional | 2 | 0.2% | 100% | $110,000 | |
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233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20% |
FHA, VA | 2 | 0.2% | 66.7% | $140,000 | View |
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209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85% |
Conventional | 2 | 0.2% | 66.7% | $125,000 | View |
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200 N West St, Athens, IL 62613 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 2 | 0.2% | 100% | $135,000 | View |
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121 S Pennsylvania St, Chrisman, IL 61924 A5.0 ★Texas Ratio: 8.41% |
Conventional | 2 | 0.2% | 100% | $405,000 | View |
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950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $105,000 | View |
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109 E Vermilion St, Catlin, IL 61817 A5.0 ★Texas Ratio: 10.85% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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11900 S Pulaski Rd, Alsip, IL 60803 A+5.0 ★Texas Ratio: 4.98% |
FHA | 1 | 0.1% | 100% | $215,000 | View |
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401 Park St, Cisne, IL 62823 A5.0 ★Texas Ratio: 13.67% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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201 N Main St, Bridgeport, IL 62417 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
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1722 E Hamilton Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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10 W Ashmore St, Ashmore, IL 61912 B+4.1 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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900 W Main St, Carlinville, IL 62626 A+5.0 ★Texas Ratio: 2.47% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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1801 E Empire St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 8.91% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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180 E Bodman St, Bement, IL 61813 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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915 8th Ave, Erie, IL 61250 B+4.8 ★Texas Ratio: 17.30% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1200 Lakeside Dr, Bannockburn, IL 60015 A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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400 Public Sq, Benton, IL 62812 A+5.0 ★Texas Ratio: 3.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Citizens Equity First Credit U
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Conventional, HELOC | 38 +32 HELOCs |
3.2% | 100% | $100,263 | |
Guaranteed Rate, Inc.
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FHA, VA, HELOC | 3 +1 HELOCs |
0.3% | 100% | $161,666 | |
Diamond Residential Mtg Corp
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Conventional | 3 | 0.3% | 100% | $65,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.2% | 100% | $85,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.1% | 100% | $305,000 | View |
The Anderson Financial Group, Inc.
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Compass Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $105,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 156 | 13.2% | 88.6% | $126,282 | |
Rocket Mortgage
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Conventional, FHA, VA | 92 | 7.8% | 74% | $127,173 | |
Lower, LLC
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Conventional, FHA, VA | 78 | 6.6% | 98.7% | $149,358 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 47 | 4% | 98% | $128,617 | |
Mortgage Research Center
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Conventional, FHA, VA | 40 | 3.4% | 76.9% | $165,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 16 | 1.4% | 69.2% | $181,250 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 14 +3 HELOCs |
1.2% | 87.5% | $160,714 | |
Newrez LLC
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Conventional, FHA, VA | 14 | 1.2% | 73.7% | $138,571 | |
Synergy One Lending, Inc.
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Conventional, FHA | 13 | 1.1% | 100% | $59,615 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 11 | 0.9% | 78.6% | $183,181 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
0.7% | 88.9% | $152,500 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 0.7% | 52.9% | $121,250 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 0.6% | 80% | $152,142 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 7 | 0.6% | 25.9% | $76,428 | |
Gershman Investment Corp.
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Conventional, FHA | 6 | 0.5% | 66.7% | $133,333 | |
Greenstate Credit Union
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Conventional | 5 | 0.4% | 66.7% | $39,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 0.4% | 100% | $137,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 4 | 0.3% | 100% | $162,500 | |
Zillow Home Loans, LLC
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Conventional, FHA | 4 | 0.3% | 100% | $137,500 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.3% | 100% | $150,000 | View |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.3% | 75% | $175,000 | |
Nationstar Mortgage
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Conventional, VA | 3 | 0.3% | 60% | $81,666 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional, FHA | 2 | 0.2% | 40% | $135,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.2% | 33.3% | $55,000 | |
Servion
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Conventional | 2 | 0.2% | 100% | $160,000 | |
Nbkc Bank
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Conventional | 2 | 0.2% | 100% | $210,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.2% | 100% | $155,000 | |
American Financial Network, Inc.
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FHA, VA | 2 | 0.2% | 100% | $135,000 | |
American Financing Corporation
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FHA | 2 | 0.2% | 40% | $90,000 | |
Point Mortgage Corp
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Conventional, FHA | 2 | 0.2% | 100% | $120,000 | |
Castle & Cooke Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $180,000 | |
Pentagon Federal Credit Union
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Conventional, VA | 2 | 0.2% | 100% | $245,000 | |
Mortgage Solutions of Colorado
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FHA, VA | 2 | 0.2% | 100% | $150,000 | |
21St Mortgage
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Conventional | 2 | 0.2% | 7.7% | $55,000 | |
Paramount Residential Mortgage
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FHA | 2 | 0.2% | 100% | $235,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 2 | 0.2% | 100% | $85,000 | |
Village Capital & Investment
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VA | 2 | 0.2% | 71.4% | $125,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 33.3% | $75,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
Primelending
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FHA | 1 | 0.1% | 100% | $125,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
First State Bank of St Charles
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FHA | 1 | 0.1% | 100% | $235,000 | |
Lookout Credit Union
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.1% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $85,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.1% | 33.3% | $135,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.1% | 100% | $195,000 | View |
Wright Patt Credit Union Inc
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Conventional | 1 | 0.1% | 100% | $175,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
VA | 1 | 0.1% | 100% | $505,000 | View |
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A-5.0 ★Texas Ratio: 15.48% |
Conventional | 1 | 0.1% | 100% | $55,000 | |
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A-5.0 ★Texas Ratio: 14.33% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
Endeavor Capital, LLC
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VA | 1 | 0.1% | 100% | $225,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.1% | 100% | $105,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.1% | 100% | $285,000 | |
Gmfs, LLC
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FHA | 1 | 0.1% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Decatur 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 Decatur, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Decatur? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Decatur in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Decatur, IL
Use these to narrow the list above. Each category shows how many Decatur, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Decatur, IL
Independent mortgage companies closed 48.5 percent of home loans in Decatur, Illinois in 2025, banks 37.9 percent and credit unions 13.6 percent. Guaranteed Rate, Inc. was the largest mortgage company, Regions Bank the largest bank and Decatur Earthmover Credit Union the largest credit union. Among lenders headquartered in Illinois, Hickory Point Bank & Trust led with 53 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 Decatur, IL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Decatur, Illinois with 54 loans, about 4.6 percent of the market. The largest lender headquartered in Illinois was Hickory Point Bank & Trust with 53 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Decatur, Illinois, Lower, LLC approved the highest share of completed applications in 2025 at 98.7 percent, against a 81.4 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.
43 lenders closed FHA loans in Decatur, Illinois in 2025, led by New American Funding, LLC. with 63. 28 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. 51 banks and 15 credit unions closed home loans in Decatur, Illinois in 2025, alongside 53 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 Decatur, 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 Decatur, 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 Decatur. 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.
