Mortgage Lenders and Brokers in Gardner, 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
Gardner, Illinois mortgage lenders include Old National BankOld National Bank12 Depot Street, Gardner, IL 60424A+5.0 ★Texas Ratio: 4.98%, Alliant Credit UnionAlliant Credit Union11545 W Touhy Ave, Chicago, IL 60666A5.0 ★Texas Ratio: 6.04%, Grundy BankGrundy Bank444 Bedford Rd, Morris, IL 60450A+5.0 ★Texas Ratio: 0.94%, NuMark Credit UnionNuMark Credit Union403 Asbury Dr, Aurora, IL 60502A5.0 ★Texas Ratio: 8.07%, Midland States BankMidland States Bank951 Dixie Hwy, Beecher, IL 60401A5.0 ★Texas Ratio: 9.50%, US Bank, N.A.US Bank, N.A.540 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 2.85%, CIBC Bank USACIBC Bank USA23840 W Eames St, Channahon, IL 60410A+5.0 ★Texas Ratio: 5.05%, Osb Community BankOsb Community Bank125 W Bluff St, Marseilles, IL 61341A+5.0 ★Texas Ratio: 2.75%, Streator Onized Credit UnionStreator Onized Credit Union107 E Chippewa St, Dwight, IL 60420A+5.0 ★Texas Ratio: 2.17%, and Peoples National Bank of KewaneePeoples National Bank of Kewanee111 N Canal St, Annawan, IL 61234B4.7 ★Texas Ratio: 19.21%. 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 Gardner, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gardner 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 Gardner, Illinois
Market share is the lender's share of all home loans closed in Gardner, 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 Gardner 12 Depot Street, Gardner, IL 60424 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 2 +3 HELOCs |
2.8% | 100% | $135,000 | View |
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11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04% |
Conventional, FHA | 4 | 5.6% | 100% | $195,000 | View |
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444 Bedford Rd, Morris, IL 60450 A+5.0 ★Texas Ratio: 0.94% |
Conventional | 3 | 4.2% | 100% | $111,666 | View |
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403 Asbury Dr, Aurora, IL 60502 A5.0 ★Texas Ratio: 8.07% |
Conventional, HELOC | 2 +1 HELOCs |
2.8% | 100% | $260,000 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 50% | $25,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
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23840 W Eames St, Channahon, IL 60410 A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 1.4% | 100% | $165,000 | View |
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125 W Bluff St, Marseilles, IL 61341 A+5.0 ★Texas Ratio: 2.75% |
Conventional | 1 | 1.4% | 100% | $395,000 | View |
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107 E Chippewa St, Dwight, IL 60420 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 1 | 1.4% | 100% | $245,000 | View |
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111 N Canal St, Annawan, IL 61234 B4.7 ★Texas Ratio: 19.21% |
Conventional | 1 | 1.4% | 100% | $25,000 | View |
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4001 General Electric Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 1.83% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
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1315 N North Branch St, Chicago, IL 60642 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 1 | 1.4% | 100% | $55,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
VA | 1 | 1.4% | 100% | $415,000 | View |
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1800 E Division St, Diamond, IL 60416 6007 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 1.4% | 100% | $75,000 | View |
Guaranteed Rate, Inc.
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Conventional, HELOC | 4 +1 HELOCs |
5.6% | 100% | $172,500 | |
The Anderson Financial Group, Inc.
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Conventional, FHA | 2 | 2.8% | 100% | $285,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 1.4% | 33.3% | $5,000 | |
Diamond Residential Mtg Corp
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Conventional | 1 | 1.4% | 100% | $165,000 | |
Compass Mortgage, Inc.
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FHA | 1 | 1.4% | 100% | $215,000 | |
21St Mortgage
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Conventional | 11 | 15.3% | 75% | $28,636 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 6.9% | 100% | $167,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 4 | 5.6% | 100% | $132,500 | |
loanDepot.com LLC
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Conventional | 4 | 5.6% | 100% | $160,000 | |
Discover Bank
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Conventional | 2 | 2.8% | 66.7% | $95,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 2.8% | 66.7% | $95,000 | |
Towne Mortgage Company
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Conventional, FHA | 2 | 2.8% | 100% | $140,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 2.8% | 50% | $25,000 | |
United Wholesale Mortgage
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Conventional | 1 | 1.4% | 100% | $175,000 | |
Greenstate Credit Union
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Conventional | 1 | 1.4% | 50% | $105,000 | |
Newrez LLC
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Conventional | 1 | 1.4% | 100% | $105,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.4% | 33.3% | $45,000 | |
Point Mortgage Corp
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FHA | 1 | 1.4% | 100% | $325,000 | |
T2 Financial LLC
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Conventional | 1 | 1.4% | 100% | $175,000 | |
Mortgage Research Center
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VA | 1 | 1.4% | 100% | $185,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 1.4% | 100% | $155,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 1.4% | 100% | $245,000 | |
Msu Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Gardner 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 Gardner, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Gardner? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gardner in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gardner, IL
Use these to narrow the list above. Each category shows how many Gardner, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Gardner, IL
Independent mortgage companies closed 65.3 percent of home loans in Gardner, Illinois in 2025, banks 22.2 percent and credit unions 12.5 percent. Guaranteed Rate, Inc. was the largest mortgage company, Old National Bank the largest bank and Alliant Credit Union the largest credit union. Among lenders headquartered in Illinois, Alliant Credit Union led with 4 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 Gardner, IL
By home loans closed in 2025, Old National Bank was the largest mortgage lender in Gardner, Illinois with 2 loans, about 2.8 percent of the market. The largest lender headquartered in Illinois was Alliant Credit Union with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Gardner, Illinois in 2025, led by CrossCountry Mortgage, LLC with 2. 3 lenders closed VA loans, led by Flanagan State Bank. 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 6 credit unions closed home loans in Gardner, Illinois in 2025, alongside 20 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 Gardner, 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 Gardner, 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 Gardner. 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.
