Mortgage Lenders and Brokers in Harvard, 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
Harvard, Illinois mortgage lenders include Sauk Valley Bank & Trust CompanySauk Valley Bank & Trust Company1075 S Division St, Harvard, IL 60033A5.0 ★Texas Ratio: 7.96%, First National Bank of OmahaFirst National Bank of Omaha355 S Division St, Harvard, IL 60033A+5.0 ★Texas Ratio: 4.82%, The Harvard State BankThe Harvard State Bank33 N Ayer St, Harvard, IL 60033A+5.0 ★Texas Ratio: 1.86%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%, Home State Bank National AssociationHome State Bank National AssociationRoute 14 And Main Street, Crystal Lake, IL 60014A+5.0 ★Texas Ratio: 0.47%, Barrington Bank & Trust Company, N.A.Barrington Bank & Trust Company, N.A.233 W Northwest Hwy, Barrington, IL 60010A+5.0 ★Texas Ratio: 2.20%, Citibank, NACitibank, NA1828 N Arlington Heights Rd, Arlington Heights, IL 60004A+5.0 ★Texas Ratio: 2.82%, BMO Harris Bank NABMO Harris Bank NA625 W Army Trail Blvd, Addison, IL 60101A+5.0 ★Texas Ratio: 3.54%, Consumers Credit UnionConsumers Credit Union950 E Rand Rd, Arlington Heights, IL 60004A5.0 ★Texas Ratio: 6.15%, and Wells Fargo Bank NAWells Fargo Bank NA245 N Main St, Canton, IL 61520A+5.0 ★Texas Ratio: 5.36%. 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 Harvard, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Harvard 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 Harvard, Illinois
Market share is the lender's share of all home loans closed in Harvard, 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 Harvard 1075 S Division St, Harvard, IL 60033 A5.0 ★Texas Ratio: 7.96% |
Conventional | 16 | 7.8% | 94.1% | $280,000 | View |
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2 offices in Harvard 355 S Division St, Harvard, IL 60033 A+5.0 ★Texas Ratio: 4.82% |
Conventional, HELOC | 3 +43 HELOCs |
1.5% | 60% | $168,333 | View |
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1 office in Harvard 33 N Ayer St, Harvard, IL 60033 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 2 | 1% | 50% | $175,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 2.5% | 100% | $165,000 | View |
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Route 14 And Main Street, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 4 | 2% | 100% | $250,000 | View |
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233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20% |
Conventional | 3 | 1.5% | 100% | $248,333 | View |
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1828 N Arlington Heights Rd, Arlington Heights, IL 60004 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 3 | 1.5% | 100% | $418,333 | View |
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625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 2 +5 HELOCs |
1% | 50% | $30,000 | View |
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950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15% |
Conventional, HELOC | 2 +2 HELOCs |
1% | 100% | $150,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1% | 66.7% | $155,000 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
Conventional | 2 | 1% | 100% | $65,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 1% | 100% | $200,000 | View |
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11900 S Pulaski Rd, Alsip, IL 60803 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $395,000 | View |
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1200 Lakeside Dr, Bannockburn, IL 60015 A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $45,000 | View |
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11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04% |
Conventional | 1 | 0.5% | 33.3% | $265,000 | View |
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3060 W Sand Lake Rd, Lindenhurst, IL 60046 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.5% | 100% | $435,000 | View |
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103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 0.5% | 50% | $215,000 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional | 1 | 0.5% | 100% | $385,000 | |
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101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
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1801 E Empire St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 8.91% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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111 E Main St, Amboy, IL 61310 A5.0 ★Texas Ratio: 8.80% |
FHA | 1 | 0.5% | 100% | $225,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2000 W Galena Blvd, Aurora, IL 60506 A5.0 ★Texas Ratio: 6.17% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional, FHA | 11 | 5.4% | 91.7% | $262,272 | |
Abbott Laboratories Employees Credit Union
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Conventional | 2 | 1% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA | 2 | 1% | 100% | $295,000 | View |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.5% | 100% | $375,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 0.5% | 50% | $15,000 | |
Cmg Mortgage Inc
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FHA | 1 | 0.5% | 100% | $225,000 | |
Compass Mortgage, Inc.
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FHA | 1 | 0.5% | 100% | $215,000 | |
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Greenstate Credit Union
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Conventional, FHA | 23 | 11.3% | 96.2% | $211,521 | |
Rocket Mortgage
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Conventional, FHA | 20 | 9.8% | 87.5% | $122,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 5.9% | 100% | $352,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 12 | 5.9% | 92.3% | $255,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 2% | 100% | $217,500 | |
Mortgage Center LC
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Conventional, FHA | 4 | 2% | 100% | $180,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 4 | 2% | 100% | $310,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 3 | 1.5% | 50% | $215,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 1.5% | 100% | $288,333 | |
Prosperity Home Mortgage, LLC
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FHA, VA | 3 | 1.5% | 100% | $231,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.5% | 100% | $191,666 | |
Freedom Mortgage Corporation
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FHA | 2 | 1% | 100% | $290,000 | |
Newrez LLC
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Conventional | 2 | 1% | 28.6% | $375,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 1% | 100% | $305,000 | |
Bay Equity LLC
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Conventional, VA | 2 | 1% | 100% | $245,000 | |
Point Mortgage Corp
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Conventional | 2 | 1% | 100% | $180,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 1% | 100% | $415,000 | |
Mortgage Research Center
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VA | 2 | 1% | 66.7% | $240,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.5% | 100% | $305,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $475,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional | 1 | 0.5% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
Envoy Mortgage, Ltd
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FHA | 1 | 0.5% | 100% | $235,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $225,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $535,000 | |
Compeer Financial
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Conventional | 1 | 0.5% | 100% | $545,000 | |
Blackhawk Community Credit Uni
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $405,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.5% | 100% | $215,000 | View |
Discover Bank
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Conventional | 1 | 0.5% | 50% | $35,000 | |
First National Bank and Trust
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Conventional | 1 | 0.5% | 100% | $35,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 20% | $305,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $275,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 100% | $405,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 50% | $95,000 | |
Lower, LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.5% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.5% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 12.35% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
Advia Credit Union
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Affinity Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Harvard 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 Harvard, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Harvard? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Harvard in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Harvard, IL
Use these to narrow the list above. Each category shows how many Harvard, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Harvard, IL
Independent mortgage companies closed 55.9 percent of home loans in Harvard, Illinois in 2025, banks 27 percent and credit unions 17.2 percent. Guaranteed Rate, Inc. was the largest mortgage company, Sauk Valley Bank & Trust Company the largest bank and Consumers Credit Union the largest credit union. Among lenders headquartered in Illinois, Sauk Valley Bank & Trust Company led with 16 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 Harvard, IL
By home loans closed in 2025, Sauk Valley Bank & Trust Company was the largest mortgage lender in Harvard, Illinois with 16 loans, about 7.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
26 lenders closed FHA loans in Harvard, Illinois in 2025, led by Guaranteed Rate, Inc. with 3. 8 lenders closed VA loans, led by United Wholesale Mortgage. 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. 27 banks and 11 credit unions closed home loans in Harvard, Illinois in 2025, alongside 43 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 Harvard, 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 Harvard, 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 Harvard. 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.
