Mortgage Lenders and Brokers in Mount Zion, 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 Zion, Illinois mortgage lenders include Prairie State Bank & TrustPrairie State Bank & Trust340 W Main St, Mount Zion, IL 62549A+5.0 ★Texas Ratio: 2.86%, Scott State BankScott State Bank1120 S Route 121, Mount Zion, IL 62549A+5.0 ★Texas Ratio: 1.21%, Decatur Earthmover Credit UnionDecatur Earthmover Credit Union4855 Aldi Dr, Decatur, IL 62521A+5.0 ★Texas Ratio: 2.47%, First National Bank of PanaFirst National Bank of PanaEast Illinois Street And Route 51, Assumption, IL 62510A+5.0 ★Texas Ratio: 0.49%, Hickory Point Bank & TrustHickory Point Bank & Trust202 W Park Ave, Champaign, IL 61820A+5.0 ★Texas Ratio: 1.00%, Busey BankBusey Bank4415 Martin Luther King Dr, Alton, IL 62002A+5.0 ★Texas Ratio: 2.31%, Regions BankRegions Bank2850 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 4.37%, Heartland Bank & Trust CompanyHeartland Bank & Trust Company485 Lake St, Antioch, IL 60002A+5.0 ★Texas Ratio: 0.84%, Land of Lincoln Credit UnionLand of Lincoln Credit Union234 N Poplar St, Centralia, IL 62801A5.0 ★Texas Ratio: 6.47%, and Buena Vista National BankBuena Vista National Bank1309 Swanwick St, Chester, IL 62233A+5.0 ★Texas Ratio: 2.34%. 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 Zion, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mount Zion 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 Zion, Illinois
Market share is the lender's share of all home loans closed in Mount Zion, 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 Zion 340 W Main St, Mount Zion, IL 62549 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 8 | 5.7% | 84.6% | $225,000 | View |
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1 office in Mount Zion 1120 S Route 121, Mount Zion, IL 62549 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 5 | 3.6% | 83.3% | $289,000 | View |
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4855 Aldi Dr, Decatur, IL 62521 A+5.0 ★Texas Ratio: 2.47% |
Conventional | 12 | 8.6% | 100% | $140,833 | View |
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East Illinois Street And Route 51, Assumption, IL 62510 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 11 | 7.9% | 100% | $247,727 | View |
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202 W Park Ave, Champaign, IL 61820 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 8 | 5.7% | 100% | $237,500 | View |
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
Conventional | 8 | 5.7% | 100% | $135,000 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
4.3% | 87.5% | $161,666 | View |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
Conventional, HELOC | 2 +3 HELOCs |
1.4% | 100% | $185,000 | View |
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234 N Poplar St, Centralia, IL 62801 A5.0 ★Texas Ratio: 6.47% |
Conventional | 2 | 1.4% | 100% | $160,000 | View |
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1309 Swanwick St, Chester, IL 62233 A+5.0 ★Texas Ratio: 2.34% |
Conventional | 2 | 1.4% | 100% | $135,000 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional, FHA | 2 | 1.4% | 100% | $330,000 | |
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1722 E Hamilton Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 2 | 1.4% | 100% | $250,000 | View |
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101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $185,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 50% | $125,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $135,000 | View |
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103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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123 E Knoxville St, Brimfield, IL 61517 A+5.0 ★Texas Ratio: 5.41% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
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209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85% |
Conventional | 1 | 0.7% | 100% | $345,000 | View |
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131 N Main St, Atwood, IL 61913 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.7% | 100% | $315,000 | View |
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180 E Bodman St, Bement, IL 61813 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 1 | 0.7% | 100% | $175,000 | View |
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121 S Pennsylvania St, Chrisman, IL 61924 A5.0 ★Texas Ratio: 8.41% |
Conventional | 1 | 0.7% | 100% | $245,000 | View |
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★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Citizens Equity First Credit U
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Conventional, HELOC | 2 +5 HELOCs |
1.4% | 100% | $185,000 | |
Heartland Credi T Union
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Conventional | 1 | 0.7% | 100% | $45,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 10.7% | 83.3% | $209,666 | |
Lower, LLC
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Conventional, FHA | 13 | 9.3% | 100% | $244,230 | |
New American Funding, LLC.
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Conventional, FHA, VA | 11 | 7.9% | 100% | $175,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 5 | 3.6% | 100% | $213,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 1.4% | 100% | $275,000 | |
New Day Financial, LLC.
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VA | 2 | 1.4% | 100% | $165,000 | |
Newrez LLC
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FHA | 1 | 0.7% | 50% | $195,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.7% | 100% | $295,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.7% | 100% | $155,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 100% | $25,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.7% | 100% | $445,000 | View |
Sun West Mortgage Company, Inc
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VA | 1 | 0.7% | 100% | $195,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.7% | 100% | $265,000 | |
Nationstar Mortgage
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VA | 1 | 0.7% | 100% | $435,000 | |
Mortgage Research Center
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VA | 1 | 0.7% | 50% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 50% | $115,000 | View |
Leaderone Financial Corp.
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FHA | 1 | 0.7% | 100% | $185,000 | |
Village Capital & Investment
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VA | 1 | 0.7% | 100% | $205,000 | |
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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 |
Mount Zion 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 Zion, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Mount Zion? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mount Zion in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mount Zion, IL
Use these to narrow the list above. Each category shows how many Mount Zion, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Mount Zion, IL
Independent mortgage companies closed 41.4 percent of home loans in Mount Zion, Illinois in 2025, banks 45 percent and credit unions 13.6 percent. Rocket Mortgage 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 8 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 Zion, IL
By home loans closed in 2025, Prairie State Bank & Trust was the largest mortgage lender in Mount Zion, Illinois with 8 loans, about 5.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Mount Zion, Illinois in 2025, led by Rocket Mortgage with 7. 9 lenders closed VA loans, led by New Day Financial, LLC.. 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. 24 banks and 5 credit unions closed home loans in Mount Zion, Illinois in 2025, alongside 17 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 Zion, 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 Zion, 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 Zion. 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.
