Mortgage Lenders and Brokers in Galena, 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
Galena, Illinois mortgage lenders include Umb Bank NAUmb Bank NA716 S Bench St, Galena, IL 61036A+5.0 ★Texas Ratio: 1.78%, US Bank, N.A.US Bank, N.A.953 Gear St, Galena, IL 61036A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%, Fidelity Bank & TrustFidelity Bank & Trust242 Wall St, East Dubuque, IL 61025A5.0 ★Texas Ratio: 12.05%, Empeople Credit UnionEmpeople Credit Union1100 13th Ave, East Moline, IL 61244 1455A+5.0 ★Texas Ratio: 5.75%, Home State Bank National AssociationHome State Bank National AssociationRoute 14 And Main Street, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 0.47%, Baxter Credit UnionBaxter Credit Union1200 Lakeside Dr, Bannockburn, IL 60015A5.0 ★Texas Ratio: 6.31%, PNC Bank N.A.PNC Bank N.A.791 S Randall Rd, Algonquin, IL 60102A+5.0 ★Texas Ratio: 4.24%, Guaranteed Rate, Inc.Guaranteed Rate, Inc.Chicago, IL, and Mutual of Omaha MortgageMutual of Omaha MortgageLombard, IL. 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 Galena, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Galena 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 Galena, Illinois
Market share is the lender's share of all home loans closed in Galena, 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 Galena 716 S Bench St, Galena, IL 61036 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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953 Gear St, Galena, IL 61036 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +3 HELOCs |
6.1% | 75% | $221,666 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 2% | 100% | $165,000 | View |
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242 Wall St, East Dubuque, IL 61025 A5.0 ★Texas Ratio: 12.05% |
Conventional | 1 | 2% | 50% | $115,000 | View |
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1100 13th Ave, East Moline, IL 61244 1455 A+5.0 ★Texas Ratio: 5.75% |
Conventional | 1 | 2% | 100% | $285,000 | View |
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Route 14 And Main Street, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 2% | 100% | $465,000 | 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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★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional | 2 | 4.1% | 100% | $310,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 4.1% | 100% | $190,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 2% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 15 +32 HELOCs |
30.6% | 75% | $252,333 | |
Greenstate Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
6.1% | 100% | $108,333 | |
Rocket Mortgage
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Conventional, FHA | 3 | 6.1% | 100% | $195,000 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 6.1% | 100% | $265,000 | |
Mortgage Research Center
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VA | 2 | 4.1% | 66.7% | $335,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 2% | 33.3% | $365,000 | |
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A5.0 ★Texas Ratio: 6.98% |
Conventional | 1 | 2% | 100% | $205,000 | View |
United Federal Credit Union
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Conventional | 1 | 2% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 2% | 100% | $125,000 | View |
Amerisave Mortgage Company
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FHA | 1 | 2% | 33.3% | $125,000 | |
Homestead Funding Corp.
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FHA | 1 | 2% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.50% |
Conventional | 1 | 2% | 100% | $105,000 | View |
Midwestone Bank
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Conventional | 1 | 2% | 100% | $85,000 | |
Geneva Financial LLC
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Conventional | 1 | 2% | 100% | $165,000 | |
Nationstar Mortgage
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VA | 1 | 2% | 100% | $215,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 2% | 100% | $125,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
State Departmenet Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Galena 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 Galena, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Galena? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Galena in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Galena, IL
Use these to narrow the list above. Each category shows how many Galena, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Galena, IL
Independent mortgage companies closed 38.8 percent of home loans in Galena, Illinois in 2025, banks 20.4 percent and credit unions 40.8 percent. Guaranteed Rate, Inc. was the largest mortgage company, Umb Bank NA the largest bank and Empeople Credit Union the largest credit union. Among lenders headquartered in Illinois, Empeople Credit Union led with 1 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 Galena, IL
By home loans closed in 2025, Umb Bank NA was the largest mortgage lender in Galena, Illinois with 0 loans, about 0 percent of the market. The largest lender headquartered in Illinois was Empeople Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Galena, Illinois in 2025, led by Mutual of Omaha Mortgage with 1. 4 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. 11 banks and 6 credit unions closed home loans in Galena, 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 Galena, 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 Galena, 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 Galena. 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.
