Mortgage Lenders and Brokers in Elsah, 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
Elsah, Illinois mortgage lenders include 1St Midamerica Credit Union1St Midamerica Credit Union3553 College Ave, Alton, IL 62002A5.0 ★Texas Ratio: 11.80%, Cnb Bank & Trust, N.A.Cnb Bank & Trust, N.A.123 E Knoxville St, Brimfield, IL 61517A+5.0 ★Texas Ratio: 5.41%, Carrollton BankCarrollton Bank120 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 3.58%, United Community BankUnited Community Bank2403 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 2.53%, Jersey State BankJersey State Bank14 E Main St, Grafton, IL 62037A+5.0 ★Texas Ratio: 5.48%, Bank of Calhoun CountyBank of Calhoun County295 Community Ave, Brussels, IL 62013A+5.0 ★Texas Ratio: 1.30%, Scott Credit UnionScott Credit Union4807 W Main St, Belleville, IL 62226 4722A+5.0 ★Texas Ratio: 3.36%, Fcb BanksFcb Banks201 N Commercial St, Albers, IL 62215A5.0 ★Texas Ratio: 7.31%, Regions BankRegions Bank2850 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 4.37%, and First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA101 W Washington Ave, Altamont, IL 62411A+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 Elsah, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elsah 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 Elsah, Illinois
Market share is the lender's share of all home loans closed in Elsah, 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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3553 College Ave, Alton, IL 62002 A5.0 ★Texas Ratio: 11.80% |
Conventional | 13 | 21.7% | 81.2% | $121,153 | View |
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123 E Knoxville St, Brimfield, IL 61517 A+5.0 ★Texas Ratio: 5.41% |
Conventional | 5 | 8.3% | 71.4% | $187,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional, HELOC | 4 +1 HELOCs |
6.7% | 100% | $180,000 | View |
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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 4 | 6.7% | 100% | $180,000 | View |
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14 E Main St, Grafton, IL 62037 A+5.0 ★Texas Ratio: 5.48% |
Conventional | 3 | 5% | 100% | $188,333 | View |
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295 Community Ave, Brussels, IL 62013 A+5.0 ★Texas Ratio: 1.30% |
Conventional | 2 | 3.3% | 100% | $65,000 | View |
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4807 W Main St, Belleville, IL 62226 4722 A+5.0 ★Texas Ratio: 3.36% |
FHA, HELOC | 1 +1 HELOCs |
1.7% | 100% | $85,000 | View |
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201 N Commercial St, Albers, IL 62215 A5.0 ★Texas Ratio: 7.31% |
Conventional | 1 | 1.7% | 100% | $275,000 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 1.7% | 50% | $475,000 | View |
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101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88% |
Conventional | 1 | 1.7% | 50% | $365,000 | View |
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169 E Main St, Brussels, IL 62013 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 1 | 1.7% | 100% | $85,000 | View |
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.7% | 100% | $145,000 | |
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 4 | 6.7% | 57.1% | $145,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 3 | 5% | 100% | $205,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 5% | 100% | $215,000 | |
New American Funding, LLC.
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Conventional, FHA, USDA | 3 | 5% | 100% | $218,333 | |
Freedom Mortgage Corporation
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VA | 2 | 3.3% | 66.7% | $195,000 | |
Flat Branch Mortgage, Inc.
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VA, USDA | 2 | 3.3% | 100% | $230,000 | |
Endeavor Capital, LLC
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Conventional, FHA | 2 | 3.3% | 100% | $200,000 | |
Nbkc Bank
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VA | 1 | 1.7% | 100% | $385,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 1.7% | 100% | $325,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1.7% | 100% | $45,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.7% | 100% | $45,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elsah 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 Elsah, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Elsah? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elsah in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elsah, IL
Use these to narrow the list above. Each category shows how many Elsah, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Elsah, IL
Independent mortgage companies closed 36.7 percent of home loans in Elsah, Illinois in 2025, banks 40 percent and credit unions 23.3 percent. Mutual of Omaha Mortgage was the largest mortgage company, Cnb Bank & Trust, N.A. the largest bank and 1St Midamerica Credit Union the largest credit union. Among lenders headquartered in Illinois, 1St Midamerica Credit Union led with 13 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 Elsah, IL
By home loans closed in 2025, 1St Midamerica Credit Union was the largest mortgage lender in Elsah, Illinois with 13 loans, about 21.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Elsah, Illinois in 2025, led by Scott Credit Union with 1. 3 lenders closed VA loans, led by Freedom Mortgage Corporation, and 2 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. 12 banks and 3 credit unions closed home loans in Elsah, Illinois in 2025, alongside 12 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 Elsah, 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 Elsah, 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 Elsah. 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.
