Mortgage Lenders and Brokers in Mount Morris, 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
Mount Morris, Illinois mortgage lenders include Union Savings BankUnion Savings Bank1 W Hitt St, Mount Morris, IL 61054A+5.0 ★Texas Ratio: 2.18%, Byron BankByron Bank200 N Walnut St, Byron, IL 61010A5.0 ★Texas Ratio: 10.13%, US Bank, N.A.US Bank, N.A.540 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 2.85%, Stillman Banccorp NAStillman Banccorp NA608 W Blackhawk Dr, Byron, IL 61010A+5.0 ★Texas Ratio: 3.99%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA101 W Washington Ave, Altamont, IL 62411A+5.0 ★Texas Ratio: 3.88%, Consumers Credit UnionConsumers Credit Union4 E Main St, Mount Morris, IL 61054 1438A5.0 ★Texas Ratio: 6.15%, Holcomb BankHolcomb Bank504 W Blackhawk Dr, Byron, IL 61010A+5.0 ★Texas Ratio: 0.32%, Midland States BankMidland States Bank951 Dixie Hwy, Beecher, IL 60401A5.0 ★Texas Ratio: 9.50%, Rock Valley Credit UnionRock Valley Credit Union1201 Clifford Ave, Loves Park, IL 61111A+5.0 ★Texas Ratio: 4.46%, and Sauk Valley Bank & Trust CompanySauk Valley Bank & Trust Company224 N Galena Ave, Dixon, IL 61021A5.0 ★Texas Ratio: 7.96%. 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 Mount Morris, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mount Morris 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 Mount Morris, Illinois
Market share is the lender's share of all home loans closed in Mount Morris, 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 Mount Morris 1 W Hitt St, Mount Morris, IL 61054 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 6 | 9.4% | 100% | $113,333 | View |
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200 N Walnut St, Byron, IL 61010 A5.0 ★Texas Ratio: 10.13% |
Conventional | 5 | 7.8% | 100% | $125,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 4.7% | 100% | $95,000 | View |
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608 W Blackhawk Dr, Byron, IL 61010 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 3 | 4.7% | 50% | $121,666 | View |
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101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88% |
Conventional | 3 | 4.7% | 100% | $165,000 | View |
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4 E Main St, Mount Morris, IL 61054 1438 A5.0 ★Texas Ratio: 6.15% |
Conventional, HELOC | 2 +2 HELOCs |
3.1% | 100% | $255,000 | View |
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504 W Blackhawk Dr, Byron, IL 61010 A+5.0 ★Texas Ratio: 0.32% |
Conventional | 2 | 3.1% | 100% | $135,000 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
Conventional, HELOC | 1 +1 HELOCs |
1.6% | 100% | $115,000 | View |
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1201 Clifford Ave, Loves Park, IL 61111 A+5.0 ★Texas Ratio: 4.46% |
Conventional | 1 | 1.6% | 100% | $55,000 | View |
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224 N Galena Ave, Dixon, IL 61021 A5.0 ★Texas Ratio: 7.96% |
Conventional | 1 | 1.6% | 100% | $115,000 | View |
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550 W Meadows Dr, Freeport, IL 61032 7610 A5.0 ★Texas Ratio: 8.59% |
Conventional | 1 | 1.6% | 100% | $5,000 | View |
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230 W Monroe St, Chicago, IL 60606 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.6% | 100% | $205,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1.6% | 100% | $105,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
VA | 1 | 1.6% | 100% | $725,000 | View |
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1725 S State St, Belvidere, IL 61008 A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 1.6% | 100% | $105,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.6% | 100% | $115,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1.6% | 100% | $135,000 | |
Community Banc Mortgage Corp
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Conventional | 1 | 1.6% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 1.6% | 100% | $125,000 | View |
Rocket Mortgage
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Conventional, VA | 8 | 12.5% | 81.8% | $106,250 | |
Greenstate Credit Union
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Conventional, FHA | 5 | 7.8% | 100% | $135,000 | |
United Wholesale Mortgage
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VA | 3 | 4.7% | 100% | $201,666 | |
loanDepot.com LLC
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Conventional, VA | 2 | 3.1% | 66.7% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 3.1% | 100% | $80,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 1.6% | 100% | $75,000 | |
Newrez LLC
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Conventional | 1 | 1.6% | 100% | $295,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.6% | 100% | $165,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1.6% | 100% | $125,000 | |
Point Mortgage Corp
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Conventional | 1 | 1.6% | 100% | $135,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 1.6% | 100% | $235,000 | |
Mortgage Research Center
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VA | 1 | 1.6% | 50% | $355,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.6% | 100% | $115,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Uw 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 |
Mount Morris 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 Mount Morris, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Mount Morris? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mount Morris in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mount Morris, IL
Use these to narrow the list above. Each category shows how many Mount Morris, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Mount Morris, IL
Independent mortgage companies closed 35.9 percent of home loans in Mount Morris, Illinois in 2025, banks 48.4 percent and credit unions 15.6 percent. Guaranteed Rate, Inc. was the largest mortgage company, Union Savings Bank the largest bank and Consumers Credit Union the largest credit union. Among lenders headquartered in Illinois, Union Savings Bank led with 6 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 Mount Morris, IL
By home loans closed in 2025, Union Savings Bank was the largest mortgage lender in Mount Morris, Illinois with 6 loans, about 9.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Mount Morris, Illinois in 2025, led by Greenstate Credit Union with 1. 6 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. 15 banks and 6 credit unions closed home loans in Mount Morris, Illinois in 2025, alongside 14 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 Mount Morris, 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 Mount Morris, 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 Mount Morris. 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.
