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Mortgage Lenders and Brokers in Lake Forest, Illinois

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Lake Forest, Illinois mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA884 S Waukegan Rd, Lake Forest, IL 60045A+5.0 ★Texas Ratio: 3.68%, Lake Forest Bank & Trust Company, N.A.Lake Forest Bank & Trust Company, N.A.959 S Waukegan Rd, Lake Forest, IL 60045A+5.0 ★Texas Ratio: 2.75%, Fifth Third Bank, National AssociationFifth Third Bank, National Association990 S Waukegan Rd, Lake Forest, IL 60045A+5.0 ★Texas Ratio: 3.22%, BMO Harris Bank NABMO Harris Bank NA824 N Western Ave, Lake Forest, IL 60045A+5.0 ★Texas Ratio: 3.54%, Old National BankOld National Bank241 E Deerpath, Lake Forest, IL 60045A+5.0 ★Texas Ratio: 4.98%, Consumers Credit UnionConsumers Credit Union300 N Field Dr, lake Forest, IL 60045 2513A5.0 ★Texas Ratio: 6.15%, Bank of America NABank of America NA780 N Western Ave, Lake Forest, IL 60045A+5.0 ★Texas Ratio: 4.14%, The Northern Trust CoThe Northern Trust Co265 E Deerpath, Lake Forest, IL 60045A4.7 ★Texas Ratio: 0.83%, Diamond Residential Mtg CorpDiamond Residential Mtg CorpLake Forest, IL, and Citibank, NACitibank, NA1828 N Arlington Heights Rd, Arlington Heights, IL 60004A+5.0 ★Texas Ratio: 2.82%. 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 Lake Forest, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake Forest 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 Lake Forest, Illinois

Market share is the lender's share of all home loans closed in Lake Forest, 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
JPMorgan Chase Bank, NA 2 offices in Lake Forest 884 S Waukegan Rd, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	33 +5 HELOCs	9%	87.2%	$844,090	View
Lake Forest Bank & Trust Company, N.A. 2 offices in Lake Forest 959 S Waukegan Rd, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	14	3.8%	100%	$1,233,571	View
Fifth Third Bank, National Association 1 office in Lake Forest 990 S Waukegan Rd, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	6 +9 HELOCs	1.6%	77.8%	$860,000	View
BMO Harris Bank NA 1 office in Lake Forest 824 N Western Ave, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	5 +8 HELOCs	1.4%	100%	$1,425,000	View
Old National Bank 1 office in Lake Forest 241 E Deerpath, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo, HELOC	4 +8 HELOCs	1.1%	100%	$1,167,500	View
Consumers Credit Union 300 N Field Dr, lake Forest, IL 60045 2513 A5.0 ★Texas Ratio: 6.15%	Conventional, Jumbo, HELOC	4 +4 HELOCs	1.1%	80%	$687,500	View
Bank of America NA 1 office in Lake Forest 780 N Western Ave, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +25 HELOCs	0.8%	100%	$1,358,333	View
The Northern Trust Co 1 office in Lake Forest 265 E Deerpath, Lake Forest, IL 60045 A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	2	0.5%	100%	$1,945,000	View
Diamond Residential Mtg Corp	Conventional, Jumbo	7	1.9%	100%	$605,000
Citibank, NA 1828 N Arlington Heights Rd, Arlington Heights, IL 60004 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	7 +1 HELOCs	1.9%	87.5%	$1,346,428	View
Barrington Bank & Trust Company, N.A. 233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20%	Conventional	7	1.9%	87.5%	$455,000	View
US Bank, N.A. 540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	6 +3 HELOCs	1.6%	75%	$958,333	View
Wells Fargo Bank NA 245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	6	1.6%	100%	$1,296,666	View
Huntington National Bank 103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo, HELOC	5 +10 HELOCs	1.4%	83.3%	$1,139,000	View
Waterman Bank 1747 W North Ave, Chicago, IL 60622 A5.0 ★Texas Ratio: 8.69%	Conventional	5	1.4%	100%	$787,000	View
Baxter Credit Union 1200 Lakeside Dr, Bannockburn, IL 60015 A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	3 +4 HELOCs	0.8%	100%	$461,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1920 Football Drive, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	2 +7 HELOCs	0.5%	75%	$1,345,000	View
Associated Bank NA 104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45%	Conventional, Jumbo, HELOC	2 +4 HELOCs	0.5%	66.7%	$2,410,000	View
United Home Loans, Inc. 4747 W Peterson Ave Ste 100, Chicago, IL 60646	Conventional	2	0.5%	100%	$725,000
Selfreliance Federal Credit Union 302 E Army Trail Rd, Bloomingdale, IL 60108 A+5.0 ★Texas Ratio: 4.49%	Conventional, Jumbo	2	0.5%	100%	$540,000	View
Gold Coast Bank 1165 N Clark St, Chicago, IL 60610 A5.0 ★Texas Ratio: 6.28%	Conventional, Jumbo	2	0.5%	100%	$905,000	View
CIBC Bank USA 920 S Waukegan Rd, Lake Forest, IL 60045 A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.3%	100%	$605,000	View
Bny Mellon, N.A. 311 S Wacker Dr Ste 6200, Chicago, IL 60606 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	1	0.3%	100%	$2,005,000	View
Lakeside Bank 1055 W Roosevelt Rd, Chicago, IL 60608 A+5.0 ★Texas Ratio: 0.26%	Conventional, Jumbo	1	0.3%	100%	$1,785,000	View
Cornerstone National Bank & Trust Company 1185 S Il Route 31, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 0.20%	Conventional	1	0.3%	100%	$805,000	View
First Mid Bank and Trust, NA 101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88%	Conventional	1	0.3%	100%	$405,000	View
Community Trust Credit Union 1263 N Il Route 83, Grayslake, IL 60030 A+5.0 ★Texas Ratio: 0.26%	Conventional	1	0.3%	100%	$415,000	View
Crystal Lake Bank & Trust Company, N.A. 4049 W Algonquin Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 2.94%	Conventional	1	0.3%	100%	$525,000	View
State Bank of The Lakes, N.A. 440 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 1.38%	Conventional	1	0.3%	100%	$485,000	View
Wintrust Bank, N.A. 2400 W Madison St, Chicago, IL 60612 A+5.0 ★Texas Ratio: 3.24%	Conventional, Jumbo	1	0.3%	100%	$1,105,000	View
Liberty Bank For Savings 2392 N Milwaukee Ave, Chicago, IL 60647 A+5.0 ★Texas Ratio: 0.10%	Conventional	1	0.3%	100%	$595,000	View
Itasca Bank & Trust Co. 308 W Irving Park Rd, Itasca, IL 60143 A+5.0 ★Texas Ratio: 2.14%	Conventional, Jumbo	1	0.3%	100%	$875,000	View
Old Second National Bank 2000 W Galena Blvd, Aurora, IL 60506 A5.0 ★Texas Ratio: 6.17%	Conventional	1	0.3%	100%	$255,000	View
First American Bank 1780 W Fullerton Ave, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +11 HELOCs	0%	n/a		View
Alliant Credit Union 11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04%	HELOC	0 +2 HELOCs	0%	0%		View
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	30 +5 HELOCs	8.2%	85.7%	$849,666
Originpoint, LLC	Conventional, Jumbo	16	4.4%	100%	$1,023,750
Abbott Laboratories Employees Credit Union	Conventional, Jumbo	8	2.2%	88.9%	$623,750
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	3	0.8%	100%	$878,333
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.8%	100%	$468,333	View
Key Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.81%	Conventional	3	0.8%	100%	$635,000	View
Cmg Mortgage Inc	Conventional	1	0.3%	100%	$725,000
Evergreen Bank Group A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.3%	100%	$105,000	View
Mutual of Omaha Mortgage	Conventional	1	0.3%	100%	$765,000
Compass Mortgage, Inc.	Conventional	1	0.3%	100%	$675,000
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +2 HELOCs	0%	n/a		View
United Wholesale Mortgage	Conventional, Jumbo, HELOC	14 +1 HELOCs	3.8%	87.5%	$822,857
Rocket Mortgage	Conventional, Jumbo	14	3.8%	77.3%	$649,285
CrossCountry Mortgage, LLC	Conventional, Jumbo	12	3.3%	92.3%	$861,666
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	11 +1 HELOCs	3%	100%	$788,636	View
Prosperity Home Mortgage, LLC	Conventional	10	2.7%	100%	$504,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo, HELOC	7 +2 HELOCs	1.9%	87.5%	$1,003,571	View
Pennymac Loan Services LLC	Conventional, Jumbo	6	1.6%	100%	$963,333
New American Funding, LLC.	Conventional	6	1.6%	85.7%	$695,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	5	1.4%	100%	$2,779,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	5	1.4%	100%	$561,000
Lower, LLC	Conventional, Jumbo	4	1.1%	80%	$1,220,000
Provident Funding Associates	Conventional	3	0.8%	100%	$655,000
Summit Funding.Inc	Conventional, Jumbo	3	0.8%	100%	$878,333
Greenstate Credit Union	Conventional, HELOC	2 +1 HELOCs	0.5%	100%	$430,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.5%	100%	$725,000	View
Movement Mortgage, LLC	Conventional, Jumbo	2	0.5%	100%	$990,000
Deephaven Mortgage LLC	Conventional	2	0.5%	66.7%	$670,000
Amerisave Mortgage Company	Conventional	2	0.5%	25%	$415,000
Union Home Mortgage Corp.	Conventional	2	0.5%	100%	$495,000
T2 Financial LLC	Conventional, Jumbo	2	0.5%	66.7%	$1,355,000
American Pacific Mortgage Corporation	Conventional, Jumbo	2	0.5%	100%	$710,000
Member First Mortgage, LLC	Conventional	2	0.5%	100%	$720,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	2	0.5%	100%	$1,125,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.5%	100%	$400,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.3%	100%	$185,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.3%	100%	$685,000
Johnson Bank A+5.0 ★Texas Ratio: 1.47%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.3%	100%	$825,000	View
Arc Home LLC	Conventional, Jumbo	1	0.3%	50%	$2,175,000
Genisys Credit Union	Conventional, Jumbo	1	0.3%	100%	$1,085,000
Premier Mortgage Resources, LLC	Conventional	1	0.3%	100%	$805,000
American Airlines Federal Cred	Conventional	1	0.3%	100%	$305,000
Manufacturers Bank & Trust Co A+5.0 ★Texas Ratio: 5.80%	Conventional, Jumbo	1	0.3%	100%	$1,175,000	View
Primelending	Conventional	1	0.3%	100%	$345,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	1	0.3%	100%	$1,785,000	View
Fourleaf Federal Credit Union	Conventional, Jumbo	1	0.3%	100%	$835,000
Lakeview Loan Servicing, LLC	Conventional	1	0.3%	25%	$85,000
Newrez LLC	Conventional	1	0.3%	50%	$65,000
Nbkc Bank	Conventional	1	0.3%	100%	$635,000
Kind Lending, LLC	Conventional	1	0.3%	100%	$275,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo	1	0.3%	100%	$995,000	View
loanDepot.com LLC	Conventional	1	0.3%	50%	$505,000
Filo Mortgage, LLC	Conventional	1	0.3%	100%	$405,000
Home Mortgage Alliance Corp (Hmac)	Conventional, Jumbo	1	0.3%	100%	$605,000
General Mortgage Capital Corporation	Conventional, Jumbo	1	0.3%	100%	$955,000
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.3%	100%	$705,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.3%	100%	$565,000	View
Nqm Funding, LLC	Conventional, Jumbo	1	0.3%	100%	$1,485,000
Success Mortgage Partners, Inc	Conventional	1	0.3%	100%	$715,000
Discover Bank	Conventional	1	0.3%	20%	$105,000
Flexpoint, Inc.	Conventional	1	0.3%	100%	$735,000
Cardinal Financial Company, Li	Conventional	1	0.3%	100%	$685,000
Directions Credit Union	Conventional	1	0.3%	100%	$555,000
Waterstone Mortgage Corporation	Conventional	1	0.3%	100%	$755,000
Pony Express Bank A+5.0 ★Texas Ratio: 1.27%	Conventional, Jumbo	1	0.3%	100%	$1,845,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	1	0.3%	100%	$1,645,000	View
Nationstar Mortgage	Conventional	1	0.3%	33.3%	$45,000
Wings Financial Credit Union	Conventional, Jumbo	1	0.3%	100%	$915,000
Marathon Bank A+5.0 ★Texas Ratio: 2.81%	Conventional, Jumbo	1	0.3%	100%	$1,475,000	View
The Loan Store, Inc	Conventional	1	0.3%	100%	$705,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.3%	100%	$305,000	View
Fairway Independent Mort Corp	Conventional	1	0.3%	100%	$495,000
Toyota Financial Savings Bank	Conventional	1	0.3%	100%	$475,000
Leaderone Financial Corp.	Conventional, Jumbo	1	0.3%	100%	$935,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +4 HELOCs	0%	100%		View
Spring Eq, LLC	HELOC	0 +3 HELOCs	0%	0%
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Advia Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	HELOC	0 +2 HELOCs	0%	n/a		View
Stanford Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View
Angel Oak Mortgage Solutions LLC	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Lake Forest Mortgage Rate Trends

Daily average mortgage rates for Illinois compared with the national average, updated every evening.

30-Year Fixed IL Avg

7.539%

▲ 0.123 vs 7 days ago

15-Year Fixed IL Avg

7.032%

▲ 0.101 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Lake Forest, Illinois

Looking for mortgage lenders near me or mortgage brokers near me in Lake Forest? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lake Forest in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Lake Forest, IL

Use these to narrow the list above. Each category shows how many Lake Forest, IL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 51 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 53 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 16 lenders. Member owned, often lower fees and flexible underwriting for members Jumbo lenders 54 lenders. Loans above the conforming limit for higher priced homes Local lenders based in IL 35 lenders headquartered in Illinois, the closest thing to a mortgage lender near you

Who Lends in Lake Forest, IL

Independent mortgage companies closed 48 percent of home loans in Lake Forest, Illinois in 2025, banks 44.7 percent and credit unions 7.4 percent. Diamond Residential Mtg Corp was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Consumers Credit Union the largest credit union. Among lenders headquartered in Illinois, Lake Forest Bank & Trust Company, N.A. led with 14 loans.

48%

Mortgage companies

44.7%

Banks

7.4%

Credit unions

FHA loans

VA 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

All Illinois lenders 932 lenders Chicago 527 lenders Joliet 211 lenders Naperville 240 lenders Rockford 167 lenders Aurora 206 lenders Springfield 140 lenders Elgin 204 lenders Plainfield 186 lenders Peoria 137 lenders Bolingbrook 168 lenders Belleville 141 lenders Oswego 159 lenders

Frequently Asked Questions About Mortgage Lenders in Lake Forest, IL

Who is the largest mortgage lender in Lake Forest, IL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Lake Forest, Illinois with 33 loans, about 9 percent of the market. The largest lender headquartered in Illinois was Lake Forest Bank & Trust Company, N.A. with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Lake Forest, IL lender list?

Yes. 53 banks and 16 credit unions closed home loans in Lake Forest, Illinois in 2025, alongside 51 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.

How are mortgage lenders in Lake Forest, IL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Lake Forest, 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 Lake Forest, 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 Lake Forest. 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.