Mortgage Lenders and Brokers in Lincoln, 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
Lincoln, Illinois mortgage lenders include United Community BankUnited Community Bank2201 Woodlawn Rd Ste 100, Lincoln, IL 62656A+5.0 ★Texas Ratio: 2.53%, The First National Bank in TremontThe First National Bank in Tremont710 Woodlawn Rd, Lincoln, IL 62656A+5.0 ★Texas Ratio: 4.39%, Heartland Bank & Trust CompanyHeartland Bank & Trust Company303 Pulaski St, Lincoln, IL 62656A+5.0 ★Texas Ratio: 0.84%, Regions BankRegions Bank303 S Kickapoo St, Lincoln, IL 62656A+5.0 ★Texas Ratio: 4.37%, Hickory Point Bank & TrustHickory Point Bank & Trust202 W Park Ave, Champaign, IL 61820A+5.0 ★Texas Ratio: 1.00%, First State Mortgage ServicesFirst State Mortgage Services825 N Randall Rd, Batavia, IL 60510, The Atlanta National BankThe Atlanta National Bank105 Ne Church St, Atlanta, IL 61723A+5.0 ★Texas Ratio: 4.08%, Alliance Community BankAlliance Community Bank200 N West St, Athens, IL 62613A+5.0 ★Texas Ratio: 3.93%, Inb, National AssociationInb, National Association2402 E Washington St, Bloomington, IL 61704A5.0 ★Texas Ratio: 9.74%, and Longview Community BankLongview Community Bank100 E Olive St, Chestnut, IL 62518. 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 Lincoln, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincoln 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 Lincoln, Illinois
Market share is the lender's share of all home loans closed in Lincoln, 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 Lincoln 2201 Woodlawn Rd Ste 100, Lincoln, IL 62656 A+5.0 ★Texas Ratio: 2.53% |
Conventional, USDA, HELOC | 13 +3 HELOCs |
5.1% | 100% | $122,692 | View |
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1 office in Lincoln 710 Woodlawn Rd, Lincoln, IL 62656 A+5.0 ★Texas Ratio: 4.39% |
Conventional | 13 | 5.1% | 86.7% | $126,538 | View |
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2 offices in Lincoln 303 Pulaski St, Lincoln, IL 62656 A+5.0 ★Texas Ratio: 0.84% |
Conventional, FHA, HELOC | 9 +10 HELOCs |
3.5% | 75% | $119,444 | View |
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1 office in Lincoln 303 S Kickapoo St, Lincoln, IL 62656 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, USDA, HELOC | 3 +15 HELOCs |
1.2% | 75% | $141,666 | View |
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202 W Park Ave, Champaign, IL 61820 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 23 | 9.1% | 100% | $103,260 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional, FHA, USDA | 20 | 7.9% | 87% | $152,000 | |
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105 Ne Church St, Atlanta, IL 61723 A+5.0 ★Texas Ratio: 4.08% |
Conventional | 6 | 2.4% | 100% | $68,333 | View |
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200 N West St, Athens, IL 62613 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 6 | 2.4% | 87.5% | $85,000 | View |
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2402 E Washington St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 9.74% |
Conventional | 5 | 2% | 100% | $143,000 | View |
Longview Community Bank
100 E Olive St, Chestnut, IL 62518 |
Conventional | 3 | 1.2% | 100% | $125,000 | |
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★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $125,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
Conventional, FHA | 2 | 0.8% | 100% | $165,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 100% | $55,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 50% | $55,000 | View |
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1811 Eastland Dr, Bloomington, IL 61704 A5.0 ★Texas Ratio: 13.78% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
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101 W Main St, Green Valley, IL 61534 A-4.9 ★Texas Ratio: 16.61% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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1408 Airport Rd, Bloomington, IL 61704 2566 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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692 N 4th Street, Breese, IL 62230 A5.0 ★Texas Ratio: 11.76% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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4001 General Electric Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 1.83% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
Credit Union 1
750 S Halsted St Rm 220C, Chicago, IL 60607 7008 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Citizens Equity First Credit U
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Conventional, HELOC | 19 +33 HELOCs |
7.5% | 100% | $126,052 | |
Diamond Residential Mtg Corp
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FHA, VA | 2 | 0.8% | 100% | $215,000 | |
Heartland Credi T Union
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Conventional | 2 | 0.8% | 100% | $135,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.4% | 50% | $145,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.4% | 100% | $65,000 | |
Das Acquisition Company, LLC
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Conventional, FHA, USDA | 28 | 11% | 96.6% | $118,571 | |
Synergy One Lending, Inc.
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Conventional, FHA, VA | 14 | 5.5% | 100% | $100,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 5.1% | 72.2% | $175,000 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA, USDA | 11 | 4.3% | 100% | $141,363 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 3.9% | 100% | $162,000 | |
Mortgage Research Center
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Conventional, VA | 6 | 2.4% | 54.5% | $265,000 | |
Zippy Loans, LLC
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Conventional | 3 | 1.2% | 100% | $28,333 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.2% | 60% | $81,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.2% | 100% | $121,666 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.8% | 100% | $55,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.8% | 50% | $190,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 0.8% | 66.7% | $85,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 0.8% | 75% | $155,000 | |
Amerisave Mortgage Company
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FHA | 2 | 0.8% | 100% | $100,000 | |
First State Bank of St Charles
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Conventional | 2 | 0.8% | 100% | $115,000 | |
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A5.0 ★Texas Ratio: 12.35% |
Conventional, FHA | 2 | 0.8% | 75% | $60,000 | View |
Servion
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Conventional | 1 | 0.4% | 100% | $145,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 50% | $35,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 100% | $145,000 | |
Guild Mortgage Company
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FHA | 1 | 0.4% | 100% | $205,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $95,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.4% | 100% | $35,000 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.4% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lincoln 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 Lincoln, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Lincoln? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lincoln in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lincoln, IL
Use these to narrow the list above. Each category shows how many Lincoln, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Lincoln, IL
Independent mortgage companies closed 45.3 percent of home loans in Lincoln, Illinois in 2025, banks 45.3 percent and credit unions 9.4 percent. Diamond Residential Mtg Corp was the largest mortgage company, United Community Bank the largest bank and The Credit Union for All the largest credit union. Among lenders headquartered in Illinois, United Community Bank led with 13 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 Lincoln, IL
By home loans closed in 2025, United Community Bank was the largest mortgage lender in Lincoln, Illinois with 13 loans, about 5.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Lincoln, Illinois in 2025, led by Das Acquisition Company, LLC with 7. 10 lenders closed VA loans, led by Rocket Mortgage, and 5 closed USDA rural loans. 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. 23 banks and 7 credit unions closed home loans in Lincoln, Illinois in 2025, alongside 29 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 Lincoln, 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 Lincoln, 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 Lincoln. 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.
