Mortgage Lenders and Brokers in Illiopolis, 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
Illiopolis, Illinois mortgage lenders include Prairie State Bank & TrustPrairie State Bank & Trust211 Dye Rd, Illiopolis, IL 62539A+5.0 ★Texas Ratio: 2.86%, Inb, National AssociationInb, National Association2402 E Washington St, Bloomington, IL 61704A5.0 ★Texas Ratio: 9.74%, United Community BankUnited Community Bank2403 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 2.53%, Morton Community BankMorton Community Bank209 S Main St, Albany, IL 61230A+5.0 ★Texas Ratio: 5.85%, Hickory Point Bank & TrustHickory Point Bank & Trust202 W Park Ave, Champaign, IL 61820A+5.0 ★Texas Ratio: 1.00%, Decatur Earthmover Credit UnionDecatur Earthmover Credit Union4855 Aldi Dr, Decatur, IL 62521A+5.0 ★Texas Ratio: 2.47%, Warren Boynton State BankWarren Boynton State Bank201 E State St, Modesto, IL 62667A+5.0 ★Texas Ratio: 2.61%, Alliance Community BankAlliance Community Bank200 N West St, Athens, IL 62613A+5.0 ★Texas Ratio: 3.93%, Security BankSecurity Bank2500 Stevenson Dr, Springfield, IL 62703A+5.0 ★Texas Ratio: 0.96%, and PNC Bank N.A.PNC Bank N.A.791 S Randall Rd, Algonquin, IL 60102A+5.0 ★Texas Ratio: 4.24%. 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 Illiopolis, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Illiopolis 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 Illiopolis, Illinois
Market share is the lender's share of all home loans closed in Illiopolis, 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 Illiopolis 211 Dye Rd, Illiopolis, IL 62539 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 2 | 2.9% | 100% | $50,000 | View |
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2402 E Washington St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 9.74% |
Conventional, VA | 10 | 14.7% | 90.9% | $230,000 | View |
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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
Conventional, HELOC | 6 +1 HELOCs |
8.8% | 100% | $76,666 | View |
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209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85% |
Conventional, HELOC | 3 +2 HELOCs |
4.4% | 100% | $111,666 | View |
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202 W Park Ave, Champaign, IL 61820 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 2 | 2.9% | 100% | $100,000 | View |
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4855 Aldi Dr, Decatur, IL 62521 A+5.0 ★Texas Ratio: 2.47% |
Conventional | 2 | 2.9% | 100% | $60,000 | View |
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201 E State St, Modesto, IL 62667 A+5.0 ★Texas Ratio: 2.61% |
Conventional | 2 | 2.9% | 100% | $30,000 | View |
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200 N West St, Athens, IL 62613 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 2 | 2.9% | 66.7% | $215,000 | View |
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2500 Stevenson Dr, Springfield, IL 62703 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 2 | 2.9% | 100% | $145,000 | 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 | 2 | 2.9% | 66.7% | $140,000 | View |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
Conventional, HELOC | 1 +4 HELOCs |
1.5% | 100% | $45,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.5% | 100% | $125,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional | 1 | 1.5% | 100% | $175,000 | View |
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East Illinois Street And Route 51, Assumption, IL 62510 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 1.5% | 100% | $425,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.5% | 100% | $95,000 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Heartland Credi T Union
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Conventional, HELOC | 6 +4 HELOCs |
8.8% | 87.5% | $153,333 | |
Citizens Equity First Credit U
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Conventional, HELOC | 2 +5 HELOCs |
2.9% | 100% | $95,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 1.5% | 100% | $275,000 | |
Rocket Mortgage
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Conventional | 4 | 5.9% | 100% | $167,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 5.9% | 100% | $102,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 4.4% | 100% | $251,666 | |
Flat Branch Mortgage, Inc.
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Conventional | 3 | 4.4% | 100% | $321,666 | |
Newrez LLC
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Conventional | 1 | 1.5% | 100% | $135,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.5% | 100% | $125,000 | |
Discover Bank
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Conventional | 1 | 1.5% | 100% | $65,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 1.5% | 100% | $205,000 | |
Nationstar Mortgage
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VA | 1 | 1.5% | 100% | $285,000 | |
Mortgage Research Center
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VA | 1 | 1.5% | 100% | $425,000 | |
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A-5.0 ★Texas Ratio: 14.33% |
Conventional | 1 | 1.5% | 100% | $155,000 | View |
Illiopolis 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 Illiopolis, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Illiopolis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Illiopolis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Illiopolis, IL
Use these to narrow the list above. Each category shows how many Illiopolis, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Illiopolis, IL
Independent mortgage companies closed 30.9 percent of home loans in Illiopolis, Illinois in 2025, banks 54.4 percent and credit unions 14.7 percent. Guaranteed Rate, Inc. was the largest mortgage company, Prairie State Bank & Trust the largest bank and Decatur Earthmover Credit Union the largest credit union. Among lenders headquartered in Illinois, Prairie State Bank & Trust led with 2 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 Illiopolis, IL
By home loans closed in 2025, Prairie State Bank & Trust was the largest mortgage lender in Illiopolis, Illinois with 2 loans, about 2.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Illiopolis, Illinois in 2025, led by Freedom Mortgage Corporation with 2. 5 lenders closed VA loans, led by Inb, National Association. 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. 16 banks and 3 credit unions closed home loans in Illiopolis, Illinois in 2025, alongside 11 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 Illiopolis, 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 Illiopolis, 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 Illiopolis. 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.
