Mortgage Lenders and Brokers in Freeport, 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
Freeport, Illinois mortgage lenders include Cornerstone Credit UnionCornerstone Credit Union550 W Meadows Dr, Freeport, IL 61032 7610A5.0 ★Texas Ratio: 8.59%, Union Savings BankUnion Savings Bank715 W South St, Freeport, IL 61032A+5.0 ★Texas Ratio: 2.18%, US Bank, N.A.US Bank, N.A.1701 S West Ave, Freeport, IL 61032A+5.0 ★Texas Ratio: 2.85%, Foresight BankForesight Bank1713 S Dirck Dr, Freeport, IL 61032A5.0 ★Texas Ratio: 9.91%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1534 S West Ave, Freeport, IL 61032A+5.0 ★Texas Ratio: 3.22%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA101 W Washington Ave, Altamont, IL 62411A+5.0 ★Texas Ratio: 3.88%, Midland States BankMidland States Bank951 Dixie Hwy, Beecher, IL 60401A5.0 ★Texas Ratio: 9.50%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%, First Northern Credit UnionFirst Northern Credit Union230 W Monroe St, Chicago, IL 60606A+5.0 ★Texas Ratio: 4.14%, and Illinois State Credit UnionIllinois State Credit Union1408 Airport Rd, Bloomington, IL 61704 2566A+5.0 ★Texas Ratio: 3.66%. 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 Freeport, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Freeport 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 Freeport, Illinois
Market share is the lender's share of all home loans closed in Freeport, 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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550 W Meadows Dr, Freeport, IL 61032 7610 A5.0 ★Texas Ratio: 8.59% |
Conventional | 17 | 6.3% | 70.8% | $40,882 | View |
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1 office in Freeport 715 W South St, Freeport, IL 61032 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 15 | 5.6% | 83.3% | $99,666 | View |
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2 offices in Freeport 1701 S West Ave, Freeport, IL 61032 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 12 +5 HELOCs |
4.5% | 68.4% | $98,333 | View |
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1 office in Freeport 1713 S Dirck Dr, Freeport, IL 61032 A5.0 ★Texas Ratio: 9.91% |
Conventional | 3 | 1.1% | 100% | $135,000 | View |
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1 office in Freeport 1534 S West Ave, Freeport, IL 61032 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +17 HELOCs |
0% | 0% | View | |
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101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88% |
Conventional, FHA | 4 | 1.5% | 100% | $127,500 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
Conventional, HELOC | 3 +1 HELOCs |
1.1% | 100% | $88,333 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.1% | 100% | $55,000 | View |
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230 W Monroe St, Chicago, IL 60606 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 1.1% | 100% | $95,000 | View |
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1408 Airport Rd, Bloomington, IL 61704 2566 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 0.7% | 100% | $90,000 | View |
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233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 2 | 0.7% | 66.7% | $165,000 | View |
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5286 Nimtz Rd, Loves Park, IL 61111 A+5.0 ★Texas Ratio: 3.08% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
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608 W Blackhawk Dr, Byron, IL 61010 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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1722 E Hamilton Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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825 N Randall Rd, Batavia, IL 60510 A+5.0 ★Texas Ratio: 3.55% |
Conventional | 1 | 0.4% | 50% | $105,000 | View |
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200 Se 13th Ave, Aledo, IL 61231 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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440 Mulberry St, Andover, IL 61233 A-5.0 ★Texas Ratio: 15.39% |
Conventional | 1 | 0.4% | 100% | $255,000 | 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 | 0.4% | 100% | $105,000 | View |
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950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
FHA | 1 | 0.4% | 25% | $105,000 | 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 | |
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625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA | 3 | 1.1% | 100% | $71,666 | View |
Cmg Mortgage Inc
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Conventional | 2 | 0.7% | 100% | $110,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $275,000 | |
Originpoint, LLC
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Northwest Bank of Rockford
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Greenstate Credit Union
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Conventional, FHA, VA, HELOC | 70 +15 HELOCs |
26% | 96.2% | $118,142 | |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 7.8% | 67.7% | $130,714 | |
Mortgage Research Center
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Conventional, FHA, VA | 13 | 4.8% | 73.7% | $189,615 | |
Guild Mortgage Company
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Conventional, FHA, VA | 8 | 3% | 100% | $92,500 | |
United Wholesale Mortgage
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Conventional, FHA | 5 | 1.9% | 60% | $139,000 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 4 | 1.5% | 44.4% | $92,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 1.5% | 71.4% | $82,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, USDA | 4 | 1.5% | 100% | $105,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 1.5% | 80% | $107,500 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 3 | 1.1% | 75% | $98,333 | |
loanDepot.com LLC
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Conventional | 3 | 1.1% | 100% | $108,333 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 1.1% | 75% | $238,333 | |
Nationstar Mortgage
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Conventional | 3 | 1.1% | 100% | $88,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.7% | 100% | $145,000 | |
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A-5.0 ★Texas Ratio: 15.01% |
Conventional | 2 | 0.7% | 100% | $130,000 | View |
Affordable Mortgage Advisors
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Conventional, FHA | 2 | 0.7% | 100% | $110,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.7% | 75% | $170,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 0.7% | 66.7% | $165,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 0.7% | 100% | $55,000 | |
Churchill Mortgage Corporation
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Conventional, USDA | 2 | 0.7% | 100% | $120,000 | |
Zillow Home Loans, LLC
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FHA | 2 | 0.7% | 100% | $70,000 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 2 | 0.7% | 66.7% | $90,000 | View |
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A5.0 ★Texas Ratio: 12.35% |
FHA | 2 | 0.7% | 40% | $95,000 | View |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.4% | 100% | $95,000 | |
First Community Credit Union of Beloit
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Conventional | 1 | 0.4% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 9.85% |
Conventional | 1 | 0.4% | 100% | $15,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 50% | $45,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 50% | $135,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.4% | 100% | $135,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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A-4.3 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $45,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $65,000 | |
myCUmortgage
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FHA | 1 | 0.4% | 100% | $145,000 | |
Summit Credit Union
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.4% | 100% | $205,000 | |
Towne Mortgage Company
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USDA | 1 | 0.4% | 100% | $155,000 | |
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A-5.0 ★Texas Ratio: 14.33% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
V.I.P. Mortgage, Inc.
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USDA | 1 | 0.4% | 100% | $125,000 | |
Lower, LLC
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VA | 1 | 0.4% | 100% | $185,000 | |
21St Mortgage
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Conventional | 1 | 0.4% | 100% | $35,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 33.3% | $55,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $75,000 | |
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 | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Freeport 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 Freeport, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Freeport? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Freeport in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Freeport, IL
Use these to narrow the list above. Each category shows how many Freeport, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Freeport, IL
Independent mortgage companies closed 41.3 percent of home loans in Freeport, Illinois in 2025, banks 20.8 percent and credit unions 37.9 percent. Key Mortgage Services, Inc. was the largest mortgage company, Union Savings Bank the largest bank and Cornerstone Credit Union the largest credit union. Among lenders headquartered in Illinois, Cornerstone Credit Union led with 17 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 Freeport, IL
By home loans closed in 2025, Cornerstone Credit Union was the largest mortgage lender in Freeport, Illinois with 17 loans, about 6.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Freeport, Illinois, Greenstate Credit Union approved the highest share of completed applications in 2025 at 96.2 percent, against a 80.8 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.
25 lenders closed FHA loans in Freeport, Illinois in 2025, led by Greenstate Credit Union with 19. 11 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 23 banks and 13 credit unions closed home loans in Freeport, Illinois in 2025, alongside 40 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 Freeport, 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 Freeport, 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 Freeport. 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.
