Mortgage Lenders and Brokers in Normal, 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
Normal, Illinois mortgage lenders include Illinois State Credit UnionIllinois State Credit Union1309 S Center St, Normal, IL 61761 3458A+5.0 ★Texas Ratio: 3.66%, PNC Bank N.A.PNC Bank N.A.1501 E College Ave, Normal, IL 61761A+5.0 ★Texas Ratio: 4.24%, US Bank, N.A.US Bank, N.A.1401 S Main St, Normal, IL 61761A+5.0 ★Texas Ratio: 2.85%, Morton Community BankMorton Community Bank1508 Fort Jesse Rd, Normal, IL 61761A+5.0 ★Texas Ratio: 5.85%, Commerce BankCommerce Bank1500 E College Ave, Normal, IL 61761A+5.0 ★Texas Ratio: 0.89%, Heartland Bank & Trust CompanyHeartland Bank & Trust Company1725 Fort Jesse Rd, Normal, IL 61761A+5.0 ★Texas Ratio: 0.84%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA107 S Veterans Pkwy, Normal, IL 61761A+5.0 ★Texas Ratio: 3.68%, Bank of SpringfieldBank of Springfield1713 Fort Jesse Rd, Normal, IL 61761A5.0 ★Texas Ratio: 13.68%, First State Mortgage ServicesFirst State Mortgage Services825 N Randall Rd, Batavia, IL 60510, and Iaa Credit UnionIaa Credit Union1711 General Electric Rd, Bloomington, IL 61704 2286A+5.0 ★Texas Ratio: 1.90%. 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 Normal, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Normal 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 Normal, Illinois
Market share is the lender's share of all home loans closed in Normal, 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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1309 S Center St, Normal, IL 61761 3458 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 31 +6 HELOCs |
4.9% | 93.9% | $168,870 | View |
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★ 1.7 stars, 3 reviews 1 office in Normal 1501 E College Ave, Normal, IL 61761 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 15 +29 HELOCs |
2.4% | 100% | $209,666 | View |
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1 office in Normal 1401 S Main St, Normal, IL 61761 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 15 +1 HELOCs |
2.4% | 61.5% | $198,333 | View |
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1 office in Normal 1508 Fort Jesse Rd, Normal, IL 61761 A+5.0 ★Texas Ratio: 5.85% |
Conventional, HELOC | 12 +18 HELOCs |
1.9% | 92.3% | $168,333 | View |
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1 office in Normal 1500 E College Ave, Normal, IL 61761 A+5.0 ★Texas Ratio: 0.89% |
Conventional, HELOC | 9 +17 HELOCs |
1.4% | 52.9% | $116,111 | View |
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2 offices in Normal 1725 Fort Jesse Rd, Normal, IL 61761 A+5.0 ★Texas Ratio: 0.84% |
Conventional, HELOC | 9 +8 HELOCs |
1.4% | 100% | $149,444 | View |
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1 office in Normal 107 S Veterans Pkwy, Normal, IL 61761 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 6 +1 HELOCs |
1% | 85.7% | $178,333 | View |
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1 office in Normal 1713 Fort Jesse Rd, Normal, IL 61761 A5.0 ★Texas Ratio: 13.68% |
Conventional, FHA | 4 | 0.6% | 100% | $220,000 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional, FHA, VA | 169 | 26.9% | 97.1% | $232,041 | |
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1711 General Electric Rd, Bloomington, IL 61704 2286 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 11 | 1.8% | 100% | $202,272 | View |
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
Conventional, HELOC | 10 +13 HELOCs |
1.6% | 90.9% | $165,000 | View |
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1101 Trinity Ln, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 5 | 0.8% | 100% | $211,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
Conventional | 5 | 0.8% | 100% | $265,000 | View |
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4001 General Electric Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 1.83% |
Conventional | 4 | 0.6% | 100% | $117,500 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
0.5% | 75% | $98,333 | View |
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1811 Eastland Dr, Bloomington, IL 61704 A5.0 ★Texas Ratio: 13.78% |
Conventional | 3 | 0.5% | 100% | $188,333 | View |
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416 Kays Dr, Normal, IL 61761 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 3 | 0.5% | 100% | $255,000 | View |
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1805 S Main St, Eureka, IL 61530 B4.6 ★Texas Ratio: 20.01% |
Conventional | 3 | 0.5% | 100% | $288,333 | View |
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915 8th Ave, Erie, IL 61250 B+4.8 ★Texas Ratio: 17.30% |
Conventional | 3 | 0.5% | 100% | $138,333 | View |
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400 Public Sq, Benton, IL 62812 A+5.0 ★Texas Ratio: 3.47% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 100% | $175,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $225,000 | View |
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1320 N State St, Belvidere, IL 61008 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 2 | 0.3% | 100% | $200,000 | View |
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107 E Chippewa St, Dwight, IL 60420 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 2 | 0.3% | 100% | $195,000 | View |
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2402 E Washington St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 9.74% |
Conventional | 2 | 0.3% | 66.7% | $240,000 | View |
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131 N Main St, Atwood, IL 61913 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 2 | 0.3% | 100% | $250,000 | View |
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825 N Randall Rd, Batavia, IL 60510 A+5.0 ★Texas Ratio: 3.55% |
Conventional | 2 | 0.3% | 100% | $120,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 0.3% | 66.7% | $225,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.3% | 100% | $265,000 | View |
Homeland Mortgage Company
305 N 48th St, Quincy, IL 62305 |
Conventional | 2 | 0.3% | 100% | $185,000 | |
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950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $355,000 | View |
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109 E Vermilion St, Catlin, IL 61817 A5.0 ★Texas Ratio: 10.85% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 100% | $485,000 | View |
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403 Asbury Dr, Aurora, IL 60502 A5.0 ★Texas Ratio: 8.07% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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12330 S Harlem Ave, Palos Heights, IL 60463 A+5.0 ★Texas Ratio: 3.55% |
VA | 1 | 0.2% | 100% | $215,000 | View |
Longview Community Bank
100 E Olive St, Chestnut, IL 62518 |
Conventional | 1 | 0.2% | 100% | $145,000 | |
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85 W Algonquin Rd, Arlington Heights, IL 60005 A5.0 ★Texas Ratio: 6.61% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
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1747 W North Ave, Chicago, IL 60622 A5.0 ★Texas Ratio: 8.69% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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1315 N North Branch St, Chicago, IL 60642 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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201 W Main St, Aledo, IL 61231 A5.0 ★Texas Ratio: 9.12% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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100 S Main Street, Herscher, IL 60941 A5.0 ★Texas Ratio: 12.63% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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440 Mulberry St, Andover, IL 61233 A-5.0 ★Texas Ratio: 15.39% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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300 Washington St, Beardstown, IL 62618 A+5.0 ★Texas Ratio: 1.02% |
Conventional | 1 | 0.2% | 100% | $125,000 | 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% | n/a | View | |
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1100 13th Ave, East Moline, IL 61244 1455 A+5.0 ★Texas Ratio: 5.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Citizens Equity First Credit U
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Conventional, HELOC | 25 +42 HELOCs |
4% | 100% | $224,200 | |
Compass Mortgage, Inc.
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Conventional | 5 | 0.8% | 100% | $205,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 0.6% | 100% | $210,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Ruhl Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $45,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 100% | $165,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 34 | 5.4% | 75% | $192,941 | |
Point Mortgage Corp
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Conventional, FHA | 34 | 5.4% | 100% | $231,176 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
2.9% | 95% | $274,444 | |
Synergy One Lending, Inc.
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Conventional, FHA, VA | 16 | 2.5% | 94.1% | $204,375 | |
Guild Mortgage Company
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Conventional, FHA | 13 | 2.1% | 92.9% | $251,923 | |
Mortgage Research Center
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FHA, VA | 13 | 2.1% | 92.9% | $246,538 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 11 | 1.8% | 91.7% | $215,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 10 | 1.6% | 100% | $174,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 8 | 1.3% | 88.9% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, VA | 7 | 1.1% | 100% | $163,571 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
0.8% | 100% | $191,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 5 | 0.8% | 55.6% | $37,000 | View |
loanDepot.com LLC
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Conventional, FHA | 4 | 0.6% | 80% | $115,000 | |
Provident Funding Associates
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Conventional | 3 | 0.5% | 100% | $291,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.5% | 100% | $168,333 | |
Servion
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Conventional | 2 | 0.3% | 100% | $230,000 | |
Newrez LLC
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Conventional, FHA | 2 | 0.3% | 50% | $190,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.3% | 100% | $280,000 | |
Credence Funding Corporation
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VA | 2 | 0.3% | 100% | $205,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $235,000 | |
Nations Lending Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $200,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.3% | 100% | $210,000 | |
Lower, LLC
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Conventional, VA | 2 | 0.3% | 66.7% | $365,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 0.3% | 66.7% | $135,000 | View |
Spring Eq, LLC
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Conventional | 2 | 0.3% | 50% | $75,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $235,000 | View |
Arc Home LLC
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.2% | 66.7% | $285,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 33.3% | $45,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Loansteady LLC
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Conventional | 1 | 0.2% | 50% | $205,000 | |
Norwich Commercial Group Inc
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Conventional | 1 | 0.2% | 100% | $195,000 | |
TruHome Solutions, LLC
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FHA | 1 | 0.2% | 100% | $365,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $415,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 16.7% | $135,000 | |
Plus Relocation Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Discover Bank
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Conventional | 1 | 0.2% | 16.7% | $55,000 | |
Uw Credit Union
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $225,000 | |
SIRVA Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.2% | 100% | $275,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.2% | 33.3% | $315,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $245,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A-5.0 ★Texas Ratio: 14.33% |
VA | 1 | 0.2% | 100% | $415,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 50% | $155,000 | View |
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A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Greenstate Credit Union
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Normal 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 Normal, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Normal? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Normal in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Normal, IL
Use these to narrow the list above. Each category shows how many Normal, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Normal, IL
Independent mortgage companies closed 36 percent of home loans in Normal, Illinois in 2025, banks 50.5 percent and credit unions 13.5 percent. Homeland Mortgage Company was the largest mortgage company, PNC Bank N.A. the largest bank and Illinois State Credit Union the largest credit union. Among lenders headquartered in Illinois, Illinois State Credit Union led with 31 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 Normal, IL
By home loans closed in 2025, Illinois State Credit Union was the largest mortgage lender in Normal, Illinois with 31 loans, about 4.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Normal, Illinois, First State Mortgage Services approved the highest share of completed applications in 2025 at 97.1 percent, against a 89.2 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.
24 lenders closed FHA loans in Normal, Illinois in 2025, led by First State Mortgage Services with 7. 20 lenders closed VA loans, led by Mortgage Research Center. 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. 47 banks and 14 credit unions closed home loans in Normal, Illinois in 2025, alongside 52 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 Normal, 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 Normal, 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 Normal. 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.
