Mortgage Lenders and Brokers in North Utica, 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
North Utica, Illinois mortgage lenders include First State BankFirst State Bank825 N Randall Rd, Batavia, IL 60510A+5.0 ★Texas Ratio: 3.55%, Financial Plus Credit UnionFinancial Plus Credit Union1800 E Division St, Diamond, IL 60416 6007A+5.0 ★Texas Ratio: 4.80%, First Federal Savings BankFirst Federal Savings Bank111 E Main St, Amboy, IL 61310A5.0 ★Texas Ratio: 8.80%, Eureka Savings BankEureka Savings Bank250 Marquette St, La Salle, IL 61301A5.0 ★Texas Ratio: 9.12%, Streator Onized Credit UnionStreator Onized Credit Union107 E Chippewa St, Dwight, IL 60420A+5.0 ★Texas Ratio: 2.17%, Osb Community BankOsb Community Bank125 W Bluff St, Marseilles, IL 61341A+5.0 ★Texas Ratio: 2.75%, American Commercial Bank & Trust, National AssociationAmerican Commercial Bank & Trust, National Association1315 N North Branch St, Chicago, IL 60642A+5.0 ★Texas Ratio: 3.75%, Flanagan State BankFlanagan State Bank403 State St, Benson, IL 61516A4.7 ★Texas Ratio: 2.58%, Alliant Credit UnionAlliant Credit Union11545 W Touhy Ave, Chicago, IL 60666A5.0 ★Texas Ratio: 6.04%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%. 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 North Utica, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in North Utica 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 North Utica, Illinois
Market share is the lender's share of all home loans closed in North Utica, 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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825 N Randall Rd, Batavia, IL 60510 A+5.0 ★Texas Ratio: 3.55% |
Conventional | 7 | 11.9% | 87.5% | $192,142 | View |
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1800 E Division St, Diamond, IL 60416 6007 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 5 | 8.5% | 100% | $277,000 | View |
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111 E Main St, Amboy, IL 61310 A5.0 ★Texas Ratio: 8.80% |
Conventional | 4 | 6.8% | 80% | $200,000 | View |
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★ 5 stars, 1 review 250 Marquette St, La Salle, IL 61301 A5.0 ★Texas Ratio: 9.12% |
Conventional | 3 | 5.1% | 75% | $165,000 | View |
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107 E Chippewa St, Dwight, IL 60420 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 3 | 5.1% | 100% | $158,333 | View |
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125 W Bluff St, Marseilles, IL 61341 A+5.0 ★Texas Ratio: 2.75% |
Conventional | 2 | 3.4% | 100% | $380,000 | View |
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1315 N North Branch St, Chicago, IL 60642 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 2 | 3.4% | 66.7% | $205,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
FHA, USDA | 2 | 3.4% | 100% | $230,000 | View |
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11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04% |
VA | 1 | 1.7% | 100% | $175,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.7% | 100% | $105,000 | View |
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11900 S Pulaski Rd, Alsip, IL 60803 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 1.7% | 100% | $135,000 | View |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
Conventional | 1 | 1.7% | 50% | $155,000 | View |
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722 Essington Rd, Joliet, IL 60435 A+5.0 ★Texas Ratio: 0.78% |
Conventional | 1 | 1.7% | 100% | $175,000 | View |
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10 W North Ave, Cortland, IL 60112 B+4.7 ★Texas Ratio: 18.28% |
Conventional | 1 | 1.7% | 100% | $175,000 | View |
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440 Mulberry St, Andover, IL 61233 A-5.0 ★Texas Ratio: 15.39% |
Conventional | 1 | 1.7% | 100% | $305,000 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
loanDepot.com LLC
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Conventional, FHA | 8 | 13.6% | 100% | $115,000 | |
Rocket Mortgage
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Conventional | 4 | 6.8% | 100% | $127,500 | |
Mortgage Research Center
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VA | 2 | 3.4% | 100% | $355,000 | |
United Wholesale Mortgage
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FHA | 1 | 1.7% | 100% | $315,000 | |
Primelending
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Conventional | 1 | 1.7% | 100% | $165,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.7% | 100% | $145,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.7% | 100% | $125,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.7% | 33.3% | $365,000 | |
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A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 1.7% | 100% | $255,000 | View |
Union Home Mortgage Corp.
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VA | 1 | 1.7% | 100% | $295,000 | |
Ussfcu
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Conventional | 1 | 1.7% | 100% | $105,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.7% | 100% | $125,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 1.7% | 100% | $265,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
North Utica 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 North Utica, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in North Utica? The list below shows the banks, credit unions and mortgage brokers that closed home loans in North Utica in 2025, with lenders based there listed first.
Types of Mortgage Lenders in North Utica, IL
Use these to narrow the list above. Each category shows how many North Utica, IL lenders fit and what that kind of lender is usually best for.
Who Lends in North Utica, IL
Independent mortgage companies closed 35.6 percent of home loans in North Utica, Illinois in 2025, banks 47.5 percent and credit unions 16.9 percent. Guaranteed Rate, Inc. was the largest mortgage company, First State Bank the largest bank and Financial Plus Credit Union the largest credit union. Among lenders headquartered in Illinois, First State Bank led with 7 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 North Utica, IL
By home loans closed in 2025, First State Bank was the largest mortgage lender in North Utica, Illinois with 7 loans, about 11.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in North Utica, Illinois in 2025, led by Flanagan State Bank with 1. 4 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 15 banks and 4 credit unions closed home loans in North Utica, Illinois in 2025, alongside 12 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 North Utica, 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 North Utica, 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 North Utica. 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.
