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Mortgage Lenders and Brokers in McHenry, Illinois

Content reviewed by

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

McHenry, Illinois mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4302 W Elm St, Mchenry, IL 60050A+5.0 ★Texas Ratio: 3.68%, Home State Bank National AssociationHome State Bank National Association3500 Diamond Dr, Mchenry, IL 60051A+5.0 ★Texas Ratio: 0.47%, Huntington National BankHuntington National Bank5555 Bull Valley Rd, Mchenry, IL 60050A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2121 N Richmond Rd, Mchenry, IL 60051A+5.0 ★Texas Ratio: 3.22%, BMO Harris Bank NABMO Harris Bank NA2400 N Richmond Rd, Mchenry, IL 60051A+5.0 ★Texas Ratio: 3.54%, Old National BankOld National Bank1308 N Richmond Rd, Mchenry, IL 60050A+5.0 ★Texas Ratio: 4.98%, Crystal Lake Bank & Trust Company, N.A.Crystal Lake Bank & Trust Company, N.A.2205 N Richmond Rd, Mchenry, IL 60051A+5.0 ★Texas Ratio: 2.94%, American Community Bank & TrustAmerican Community Bank & Trust1500 S State Route 31, Mchenry, IL 60050A5.0 ★Texas Ratio: 6.61%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA3814 W Elm St, Mchenry, IL 60050A+5.0 ★Texas Ratio: 3.88%, and Baxter Credit UnionBaxter Credit Union1200 Lakeside Dr, Bannockburn, IL 60015A5.0 ★Texas Ratio: 6.31%. 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 McHenry, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in McHenry 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 McHenry, Illinois

Market share is the lender's share of all home loans closed in McHenry, 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 1 office in McHenry 4302 W Elm St, Mchenry, IL 60050 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	25 +6 HELOCs	2.5%	84.4%	$237,800	View
Home State Bank National Association 2 offices in McHenry 3500 Diamond Dr, Mchenry, IL 60051 A+5.0 ★Texas Ratio: 0.47%	Conventional, FHA	12	1.2%	100%	$265,000	View
Huntington National Bank 1 office in McHenry 5555 Bull Valley Rd, Mchenry, IL 60050 A+5.0 ★Texas Ratio: 3.66%	Conventional, HELOC	6 +17 HELOCs	0.6%	75%	$325,000	View
Fifth Third Bank, National Association 1 office in McHenry 2121 N Richmond Rd, Mchenry, IL 60051 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	5 +17 HELOCs	0.5%	55.6%	$231,000	View
BMO Harris Bank NA 1 office in McHenry 2400 N Richmond Rd, Mchenry, IL 60051 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	4 +20 HELOCs	0.4%	66.7%	$72,500	View
Old National Bank 1 office in McHenry 1308 N Richmond Rd, Mchenry, IL 60050 A+5.0 ★Texas Ratio: 4.98%	Conventional, FHA, HELOC	4 +8 HELOCs	0.4%	100%	$245,000	View
Crystal Lake Bank & Trust Company, N.A. 1 office in McHenry 2205 N Richmond Rd, Mchenry, IL 60051 A+5.0 ★Texas Ratio: 2.94%	Conventional	2	0.2%	100%	$420,000	View
American Community Bank & Trust 1 office in McHenry 1500 S State Route 31, Mchenry, IL 60050 A5.0 ★Texas Ratio: 6.61%	Conventional	1	0.1%	100%	$785,000	View
First Mid Bank and Trust, NA 1 office in McHenry 3814 W Elm St, Mchenry, IL 60050 A+5.0 ★Texas Ratio: 3.88%	HELOC	0 +4 HELOCs	0%	n/a		View
Baxter Credit Union 1200 Lakeside Dr, Bannockburn, IL 60015 A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	26 +11 HELOCs	2.6%	90.5%	$205,384	View
Barrington Bank & Trust Company, N.A. 233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA	19	1.9%	100%	$271,315	View
Consumers Credit Union 950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15%	Conventional, HELOC	13 +17 HELOCs	1.3%	86.7%	$195,000	View
US Bank, N.A. 2253 N Richmond Rd, Mchenry, IL 60051 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	11 +4 HELOCs	1.1%	60%	$245,909	View
CIBM Bank 1801 E Empire St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 8.91%	Conventional, FHA, VA	10	1%	90.9%	$279,000	View
First State Mortgage Services 825 N Randall Rd, Batavia, IL 60510	Conventional, VA	5	0.5%	100%	$311,000
The Federal Savings Bank 4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	5	0.5%	100%	$417,000	View
Wells Fargo Bank NA 245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36%	Conventional	4	0.4%	80%	$235,000	View
Citibank, NA 1828 N Arlington Heights Rd, Arlington Heights, IL 60004 A+5.0 ★Texas Ratio: 2.82%	Conventional	4	0.4%	71.4%	$162,500	View
Associated Bank NA 104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45%	Conventional, HELOC	3 +3 HELOCs	0.3%	100%	$321,666	View
Bank of America NA 2400 N Richmond Rd, Mchenry, IL 60051 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +2 HELOCs	0.3%	60%	$231,666	View
North Shore Trust & Savings 3060 W Sand Lake Rd, Lindenhurst, IL 60046 A+5.0 ★Texas Ratio: 3.87%	Conventional, FHA	3	0.3%	100%	$315,000	View
Community Trust Credit Union 1263 N Il Route 83, Grayslake, IL 60030 A+5.0 ★Texas Ratio: 0.26%	Conventional	3	0.3%	100%	$188,333	View
Alliant Credit Union 11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04%	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$125,000	View
First Northern Credit Union 230 W Monroe St, Chicago, IL 60606 A+5.0 ★Texas Ratio: 4.14%	Conventional	2	0.2%	100%	$135,000	View
Republic Bank of Chicago 1640 W Lake St, Addison, IL 60101 A-5.0 ★Texas Ratio: 15.03%	Conventional	2	0.2%	100%	$125,000	View
United Home Loans, Inc. 4747 W Peterson Ave Ste 100, Chicago, IL 60646	Conventional	2	0.2%	100%	$240,000
The Harvard State Bank 33 N Ayer St, Harvard, IL 60033 A+5.0 ★Texas Ratio: 1.86%	Conventional	2	0.2%	100%	$125,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +12 HELOCs	0.1%	50%	$165,000	View
Old Second National Bank 2000 W Galena Blvd, Aurora, IL 60506 A5.0 ★Texas Ratio: 6.17%	VA, HELOC	1 +2 HELOCs	0.1%	100%	$325,000	View
Lisle Savings Bank 1450 Maple Ave, Lisle, IL 60532 A+5.0 ★Texas Ratio: 2.09%	Conventional	1	0.1%	100%	$295,000	View
NuMark Credit Union 403 Asbury Dr, Aurora, IL 60502 A5.0 ★Texas Ratio: 8.07%	Conventional	1	0.1%	100%	$205,000	View
DuPage Credit Union 725 Ogden Ave, Downers Grove, IL 60515 2915 A+5.0 ★Texas Ratio: 3.55%	Conventional	1	0.1%	100%	$75,000	View
Heartland Bank & Trust Company 485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84%	Conventional	1	0.1%	100%	$125,000	View
Midland States Bank 951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50%	Conventional	1	0.1%	100%	$295,000	View
First Federal Savings Bank 111 E Main St, Amboy, IL 61310 A5.0 ★Texas Ratio: 8.80%	Conventional	1	0.1%	100%	$25,000	View
First American Bank 1780 W Fullerton Ave, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +7 HELOCs	0%	n/a		View
Great Lakes Credit Union 351 E Il Route 173, Antioch, IL 60002 7355 A5.0 ★Texas Ratio: 9.76%	HELOC	0 +1 HELOCs	0%	n/a		View
Morton Community Bank 209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85%	HELOC	0 +1 HELOCs	0%	n/a		View
First National Bank of Omaha 1725 S State St, Belvidere, IL 61008 A+5.0 ★Texas Ratio: 4.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	50 +6 HELOCs	5%	100%	$269,400
Key Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA	16	1.6%	100%	$280,000	View
Mutual of Omaha Mortgage	Conventional, FHA, VA	10	1%	100%	$282,000
Compass Mortgage, Inc.	Conventional, VA	7	0.7%	100%	$276,428
Originpoint, LLC	Conventional, FHA	5	0.5%	100%	$319,000
Guaranteed Rate Affinity, LLC	Conventional, VA	4	0.4%	100%	$325,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.4%	100%	$380,000	View
Abbott Laboratories Employees Credit Union	Conventional	4	0.4%	100%	$165,000
Neighborhood Loans, Inc	Conventional	2	0.2%	28.6%	$10,000
Diamond Residential Mtg Corp	Conventional, FHA	2	0.2%	100%	$190,000
Cmg Mortgage Inc	Conventional	2	0.2%	100%	$365,000
Evergreen Bank Group A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$35,000	View
DHI Mortgage Company, LTD.	Conventional, FHA, VA	105	10.4%	83.3%	$280,047
Rocket Mortgage	Conventional, FHA, VA, HELOC	72 +1 HELOCs	7.2%	84.9%	$221,388
Fairway Independent Mort Corp	Conventional, FHA, VA	61	6.1%	96.9%	$224,016
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	54 +1 HELOCs	5.4%	88.5%	$285,000
Lennar Mortgage, LLC	Conventional, FHA, VA	53	5.3%	91.4%	$318,962
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	38 +2 HELOCs	3.8%	97.5%	$296,842
Union Home Mortgage Corp.	Conventional, FHA	17	1.7%	100%	$320,882
Freedom Mortgage Corporation	Conventional, FHA, VA	16	1.6%	100%	$332,500
Mortgage Research Center	VA	14	1.4%	82.4%	$336,428
Nationstar Mortgage	Conventional, FHA	13	1.3%	86.7%	$154,230
loanDepot.com LLC	Conventional, FHA, VA, HELOC	12 +1 HELOCs	1.2%	80%	$314,166
New American Funding, LLC.	Conventional, FHA	12	1.2%	100%	$231,666
Newrez LLC	Conventional, FHA	11	1.1%	64.7%	$200,454
American Pacific Mortgage Corporation	Conventional, FHA, VA	11	1.1%	100%	$247,727
Greenstate Credit Union	Conventional, FHA	10	1%	100%	$246,000
Pennymac Loan Services LLC	Conventional, FHA, VA	10	1%	100%	$232,000
Towne Mortgage Company	Conventional, FHA, VA	10	1%	92.3%	$337,000
Cornerstone First Mortgage, LLC	Conventional, VA	9	0.9%	100%	$191,666
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	9	0.9%	50%	$177,222
Guild Mortgage Company	Conventional, FHA	9	0.9%	91.7%	$289,444
Plaza Home Mortgage, Inc	Conventional, FHA	9	0.9%	100%	$235,000
Prosperity Home Mortgage, LLC	Conventional	8	0.8%	100%	$216,250
Lower, LLC	Conventional	7	0.7%	87.5%	$390,714
Discover Bank	Conventional	6	0.6%	54.5%	$61,666
Mld Mortgage, Inc.Dba the Money Store	Conventional, VA	6	0.6%	100%	$256,666
Synergy One Lending, Inc.	Conventional, VA	5	0.5%	100%	$237,000
The Loan Store, Inc	Conventional	5	0.5%	100%	$207,000
Zillow Home Loans, LLC	Conventional, FHA	5	0.5%	100%	$307,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	4 +3 HELOCs	0.4%	50%	$395,000
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	0.4%	40%	$57,500
Nations Lending Corporation	Conventional, FHA	4	0.4%	100%	$235,000
Waterstone Mortgage Corporation	Conventional, FHA	4	0.4%	100%	$270,000
Msu Federal Credit Union	Conventional, HELOC	3 +3 HELOCs	0.3%	100%	$215,000
Amerisave Mortgage Company	Conventional, HELOC	3 +1 HELOCs	0.3%	28.6%	$45,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.3%	100%	$181,666	View
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional, FHA	3	0.3%	75%	$435,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.3%	75%	$315,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	100%	$75,000	View
Carrington Mortgage Services LLC A5.0 ★Texas Ratio: 12.35%	Conventional, FHA, VA	3	0.3%	75%	$191,666	View
Leaderone Financial Corp.	Conventional	3	0.3%	100%	$125,000
Premier Mortgage Resources, LLC	Conventional, FHA	2	0.2%	100%	$365,000
First Community Mortgage, Inc.	Conventional	2	0.2%	100%	$480,000
American Financial Resources LLC	Conventional	2	0.2%	100%	$320,000
Affordable Mortgage Advisors	Conventional	2	0.2%	100%	$255,000
Everett Financial, Inc.	Conventional, FHA	2	0.2%	100%	$160,000
Nbkc Bank	Conventional, FHA	2	0.2%	100%	$360,000
AmeriHome Mortgage Company, LLC	Conventional	2	0.2%	66.7%	$330,000
Movement Mortgage, LLC	Conventional, VA	2	0.2%	100%	$335,000
Deephaven Mortgage LLC	Conventional	2	0.2%	100%	$230,000
Bay Equity LLC	Conventional, FHA	2	0.2%	100%	$255,000
New Day Financial, LLC.	VA	2	0.2%	50%	$150,000
Churchill Mortgage Corporation	Conventional	2	0.2%	100%	$230,000
Planet Home Lending, LLC	Conventional, VA	2	0.2%	100%	$270,000
Mortgage Center LC	Conventional	2	0.2%	100%	$200,000
Summit Funding.Inc	Conventional	2	0.2%	100%	$110,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.2%	100%	$290,000
Alerus Financial NA A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$165,000	View
American Airlines Federal Cred	Conventional	1	0.1%	100%	$155,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$195,000
Primelending	FHA	1	0.1%	100%	$235,000
Gold Star Mortgage Financial Group, Corporation	FHA	1	0.1%	100%	$285,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$315,000
Equity Prime Mortgage LLC	VA	1	0.1%	100%	$325,000
Loansteady LLC	Conventional	1	0.1%	100%	$455,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$85,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$285,000
Dart Bank	Conventional	1	0.1%	100%	$575,000
Resicentral LLC	Conventional	1	0.1%	100%	$315,000
Orion Federal Credit Union A5.0 ★Texas Ratio: 9.12%	Conventional	1	0.1%	100%	$235,000	View
American Financial Network, Inc.	FHA	1	0.1%	100%	$325,000
Educated Mortgage Services LLC	Conventional	1	0.1%	100%	$225,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$345,000
AmWest Funding Corp	FHA	1	0.1%	100%	$285,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.1%	100%	$425,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$465,000	View
Success Mortgage Partners, Inc	FHA	1	0.1%	100%	$415,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$255,000
Ahl Funding	Conventional	1	0.1%	100%	$435,000
Sun West Mortgage Company, Inc	VA	1	0.1%	100%	$185,000
US Wide Financial LLC	Conventional	1	0.1%	100%	$525,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$175,000
Select Lending Services, LLC	Conventional	1	0.1%	100%	$305,000
Ameritrust Mortgage Corporation	FHA	1	0.1%	100%	$345,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$335,000
Servis One, Inc	Conventional	1	0.1%	100%	$65,000
Transportation Federal Credit Union	Conventional	1	0.1%	100%	$95,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$265,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$345,000	View
Member First Mortgage, LLC	FHA	1	0.1%	100%	$245,000
Pike Creek Mortgage Services, Inc.	FHA	1	0.1%	100%	$315,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$175,000
Endeavor Capital, LLC	Conventional	1	0.1%	100%	$255,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$185,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$325,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$235,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$405,000
Polish & Slavic Federal Credit	Conventional	1	0.1%	100%	$175,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$335,000	View
Village Capital & Investment	VA	1	0.1%	50%	$405,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Advia Credit Union	HELOC	0 +6 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	HELOC	0 +2 HELOCs	0%	0%		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Covantage Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Boeing Employees' Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Johnson Bank A+5.0 ★Texas Ratio: 1.47%	HELOC	0 +1 HELOCs	0%	n/a		View
North Shore Bank A+5.0 ★Texas Ratio: 0.50%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

McHenry 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 McHenry, Illinois

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

Types of Mortgage Lenders in McHenry, IL

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

Mortgage companies and brokers 93 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 48 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 22 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 50 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 34 lenders. No down payment and no mortgage insurance for eligible veterans and service members Local lenders based in IL 39 lenders headquartered in Illinois, the closest thing to a mortgage lender near you

Who Lends in McHenry, IL

Independent mortgage companies closed 76.1 percent of home loans in McHenry, Illinois in 2025, banks 16.4 percent and credit unions 7.5 percent. United Home Loans, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Baxter Credit Union the largest credit union. Among lenders headquartered in Illinois, Home State Bank National Association led with 12 loans.

76.1%

Mortgage companies

16.4%

Banks

7.5%

Credit unions

15%

FHA loans

10%

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 McHenry, IL

Who is the largest mortgage lender in McHenry, IL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in McHenry, Illinois with 25 loans, about 2.5 percent of the market. The largest lender headquartered in Illinois was Home State Bank National Association with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in McHenry, IL have the highest approval rates?

Among lenders with meaningful volume in McHenry, Illinois, Guaranteed Rate, Inc. approved the highest share of completed applications in 2025 at 100 percent, against a 87.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which McHenry, IL mortgage lenders offer FHA, VA and USDA loans?

50 lenders closed FHA loans in McHenry, Illinois in 2025, led by DHI Mortgage Company, LTD. with 30. 34 lenders closed VA loans, led by DHI Mortgage Company, LTD.. 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.

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

Yes. 48 banks and 22 credit unions closed home loans in McHenry, Illinois in 2025, alongside 93 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 McHenry, IL ranked on this page?

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