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Mortgage Lenders and Brokers in O'Fallon, Illinois

Content reviewed by

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

O'Fallon, Illinois mortgage lenders include Fcb BanksFcb Banks201 N Commercial St, Albers, IL 62215A5.0 ★Texas Ratio: 7.31%, Bank of O'FallonBank of O'Fallon901 S Lincoln Ave, OFallon, IL 62269A+5.0 ★Texas Ratio: 5.16%, Carrollton BankCarrollton Bank120 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 3.58%, Regions BankRegions Bank2850 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 4.37%, First National Bank of WaterlooFirst National Bank of Waterloo100 E Clay St, Collinsville, IL 62234A5.0 ★Texas Ratio: 8.07%, The Farmers and Merchants National BankThe Farmers and Merchants National Bank636 E Main St, Ashley, IL 62808A+5.0 ★Texas Ratio: 5.55%, First BankFirst Bank350 Riverpark Dr, East Saint Louis, IL 62201A+5.0 ★Texas Ratio: 2.49%, The Central Trust BankThe Central Trust Bank285 Southwoods Ctr, Columbia, IL 62236A+5.0 ★Texas Ratio: 3.12%, Scott Credit UnionScott Credit Union4807 W Main St, Belleville, IL 62226 4722A+5.0 ★Texas Ratio: 3.36%, and Revity Credit UnionRevity Credit Union4105 Humbert Rd, Alton, IL 62002A+5.0 ★Texas Ratio: 2.35%. 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 O'Fallon, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in O'Fallon 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 O'Fallon, Illinois

Market share is the lender's share of all home loans closed in O'Fallon, 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
Fcb Banks 1 office in O'Fallon 201 N Commercial St, Albers, IL 62215 A5.0 ★Texas Ratio: 7.31%	Conventional, FHA, VA, Jumbo, HELOC	41 +5 HELOCs	4.6%	95.3%	$327,439	View
Bank of O'Fallon 901 S Lincoln Ave, OFallon, IL 62269 A+5.0 ★Texas Ratio: 5.16%	Conventional, Jumbo	35	3.9%	100%	$223,000	View
Carrollton Bank 1 office in O'Fallon 120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58%	Conventional, FHA, VA, Jumbo, HELOC	15 +4 HELOCs	1.7%	93.8%	$326,333	View
Regions Bank 1 office in O'Fallon 2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, HELOC	12 +27 HELOCs	1.3%	71.4%	$182,500	View
First National Bank of Waterloo 1 office in O'Fallon 100 E Clay St, Collinsville, IL 62234 A5.0 ★Texas Ratio: 8.07%	Conventional	6	0.7%	100%	$386,666	View
The Farmers and Merchants National Bank 1 office in O'Fallon 636 E Main St, Ashley, IL 62808 A+5.0 ★Texas Ratio: 5.55%	Conventional	3	0.3%	100%	$185,000	View
First Bank 1 office in O'Fallon 350 Riverpark Dr, East Saint Louis, IL 62201 A+5.0 ★Texas Ratio: 2.49%	Conventional, FHA, HELOC	2 +3 HELOCs	0.2%	100%	$215,000	View
The Central Trust Bank 1 office in O'Fallon 285 Southwoods Ctr, Columbia, IL 62236 A+5.0 ★Texas Ratio: 3.12%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$95,000	View
Scott Credit Union 4807 W Main St, Belleville, IL 62226 4722 A+5.0 ★Texas Ratio: 3.36%	Conventional, VA, HELOC	24 +30 HELOCs	2.7%	96%	$260,416	View
Revity Credit Union 4105 Humbert Rd, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.35%	Conventional	12	1.3%	100%	$86,666	View
US Bank, N.A. 540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +7 HELOCs	0.6%	83.3%	$261,000	View
JPMorgan Chase Bank, NA 600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	5	0.6%	62.5%	$389,000	View
The Federal Savings Bank 4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98%	FHA, VA	5	0.6%	100%	$409,000	View
Bank of America NA 850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +5 HELOCs	0.4%	66.7%	$250,000	View
Bank of Belleville 215 S Illinois St, Belleville, IL 62220 B4.6 ★Texas Ratio: 19.57%	Conventional	4	0.4%	100%	$580,000	View
Collinsville Building and Loan Association 701 Belt Line Rd, Collinsville, IL 62234 A+5.0 ★Texas Ratio: 0.23%	Conventional	4	0.4%	100%	$292,500	View
Commerce Bank 442 S Demazenod Dr, Belleville, IL 62223 A+5.0 ★Texas Ratio: 0.89%	Conventional, HELOC	3 +2 HELOCs	0.3%	37.5%	$248,333	View
First Mid Bank and Trust, NA 101 W Washington Ave, Altamont, IL 62411 A+5.0 ★Texas Ratio: 3.88%	Conventional, VA, HELOC	3 +1 HELOCs	0.3%	100%	$235,000	View
Bank of Springfield 1015 W Windsor Rd, Champaign, IL 61821 A5.0 ★Texas Ratio: 13.68%	Conventional, VA	3	0.3%	100%	$398,333	View
United Community Bank 2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53%	Conventional	3	0.3%	100%	$238,333	View
Citizens Community Bank 620 N State St, Freeburg, IL 62243 D3.1 ★Texas Ratio: 38.34%	Conventional	3	0.3%	100%	$268,333	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	2 +8 HELOCs	0.2%	66.7%	$370,000	View
Associated Bank NA 104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45%	Conventional, HELOC	2 +7 HELOCs	0.2%	100%	$215,000	View
Fifth Third Bank, National Association 777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22%	Conventional, VA, HELOC	2 +2 HELOCs	0.2%	100%	$505,000	View
Lindell Bank & Trust Company 327 Missouri Ave # 333, East St Louis, IL 62201 A+5.0 ★Texas Ratio: 1.91%	Conventional	2	0.2%	100%	$180,000	View
Armed Forces Bank, N.A. 26 Farragut Avenue, Great Lakes, IL 60088 A+5.0 ★Texas Ratio: 4.81%	VA	2	0.2%	100%	$300,000	View
Wells Fargo Bank NA 245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36%	Conventional	2	0.2%	66.7%	$360,000	View
Midland States Bank 951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50%	VA	2	0.2%	100%	$430,000	View
1St Midamerica Credit Union 3553 College Ave, Alton, IL 62002 A5.0 ★Texas Ratio: 11.80%	Conventional	2	0.2%	100%	$305,000	View
Busey Bank 4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31%	Conventional	2	0.2%	100%	$150,000	View
Umb Bank NA 101 N High St, Belleville, IL 62220 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$25,000	View
Huntington National Bank 103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$625,000	View
United Trust Bank 12330 S Harlem Ave, Palos Heights, IL 60463 A+5.0 ★Texas Ratio: 3.55%	VA	1	0.1%	100%	$185,000	View
First Federal Savings Bank of Mascoutah 115 S Madison St, Lebanon, IL 62254 B+4.8 ★Texas Ratio: 17.14%	Conventional	1	0.1%	100%	$295,000	View
Constitution Bank N.A. 502 East Main Street, Alhambra, IL 62001 A+5.0 ★Texas Ratio: 4.88%	Conventional	1	0.1%	100%	$455,000	View
The Bradford National Bank of Greenville 692 N 4th Street, Breese, IL 62230 A5.0 ★Texas Ratio: 11.76%	Conventional	1	0.1%	100%	$25,000	View
The Northern Trust Co 770 W Northwest Hwy, Barrington, IL 60010 A4.7 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$455,000	View
Midwest Members Credit Union 2400 Madison Ave, Granite City, IL 62040 A+5.0 ★Texas Ratio: 2.23%	Conventional	1	0.1%	100%	$55,000	View
1NB Bank 500 W Harrison St, Aviston, IL 62216 A+5.0 ★Texas Ratio: 0.48%	Conventional	1	0.1%	100%	$245,000	View
Alliant Credit Union 11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04%	HELOC	0 +1 HELOCs	0%	n/a		View
BMO Harris Bank NA 625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	n/a		View
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	21 +1 HELOCs	2.4%	100%	$350,238
Cmg Mortgage Inc	Conventional, VA, HELOC	17 +1 HELOCs	1.9%	94.4%	$466,176
Mutual of Omaha Mortgage	Conventional, VA	3	0.3%	80%	$601,666
Guaranteed Rate Affinity, LLC	FHA	1	0.1%	100%	$275,000
Heartland Credi T Union	Conventional	1	0.1%	100%	$155,000
Compass Mortgage, Inc.	Conventional	1	0.1%	100%	$135,000
Citizens Equity First Credit U	HELOC	0 +4 HELOCs	0%	n/a
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional, FHA, VA	80	9%	97.7%	$322,125	View
Mortgage Research Center	Conventional, VA	72	8.1%	88%	$362,222
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	68	7.6%	94.7%	$363,970
Rocket Mortgage	Conventional, FHA, VA	47	5.3%	85.5%	$250,106
Freedom Mortgage Corporation	Conventional, FHA, VA	27	3%	90.9%	$324,629
Primelending	Conventional, VA	26	2.9%	100%	$363,461
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	21 +2 HELOCs	2.4%	70%	$229,761
Midwest Bankcentre A+5.0 ★Texas Ratio: 5.66%	Conventional, FHA, VA	20	2.2%	87%	$340,500	View
Endeavor Capital, LLC	Conventional, FHA, VA	18	2%	94.7%	$325,000
Pennymac Loan Services LLC	Conventional, FHA, VA	17	1.9%	85.7%	$228,529
New American Funding, LLC.	Conventional, FHA, VA, HELOC	16 +1 HELOCs	1.8%	72.7%	$263,750
Guild Mortgage Company	Conventional, FHA, VA	16	1.8%	89.5%	$353,750
Nationstar Mortgage	Conventional, FHA, VA	16	1.8%	94.4%	$160,000
Zippy Loans, LLC	Conventional	10	1.1%	62.5%	$36,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	9	1%	75%	$340,555	View
Newrez LLC	Conventional, FHA, VA	8	0.9%	61.5%	$266,250
Das Acquisition Company, LLC	Conventional, FHA, VA, Jumbo	7	0.8%	100%	$436,428
Lower, LLC	Conventional, FHA, VA	7	0.8%	100%	$367,857
Ark-La-Tex Financial Services LLC	Conventional, VA	7	0.8%	100%	$267,857
Together Credit Union A+5.0 ★Texas Ratio: 4.25%	Conventional, FHA, HELOC	6 +5 HELOCs	0.7%	85.7%	$313,333
Nbkc Bank	Conventional, VA	6	0.7%	100%	$376,666
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA	6	0.7%	85.7%	$256,666	View
American Pacific Mortgage Corporation	Conventional, VA	6	0.7%	85.7%	$228,333
Fairway Independent Mort Corp	Conventional, FHA, VA	6	0.7%	100%	$351,666
Lakeview Loan Servicing, LLC	Conventional, VA	5	0.6%	37.5%	$197,000
Flat Branch Mortgage, Inc.	Conventional, VA	5	0.6%	100%	$283,000
Nqm Funding, LLC	Conventional, VA	4	0.4%	100%	$330,000
Planet Home Lending, LLC	Conventional, VA	4	0.4%	80%	$205,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	3 +2 HELOCs	0.3%	100%	$258,333	View
loanDepot.com LLC	Conventional, FHA, HELOC	3 +1 HELOCs	0.3%	57.1%	$138,333
Envoy Mortgage, Ltd	Conventional, VA	3	0.3%	100%	$308,333
Neighbors Credit Union	Conventional	3	0.3%	100%	$181,666
Nfm, Inc	VA	3	0.3%	100%	$345,000
New Day Financial, LLC.	VA	3	0.3%	50%	$205,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	75%	$251,666	View
Village Capital & Investment	VA	3	0.3%	62.5%	$375,000
First Community Credit Union	Conventional, HELOC	2 +3 HELOCs	0.2%	66.7%	$60,000
CrossCountry Mortgage, LLC	VA, HELOC	2 +2 HELOCs	0.2%	100%	$465,000
Spring Eq, LLC	Conventional, HELOC	2 +2 HELOCs	0.2%	66.7%	$65,000
Equity Prime Mortgage LLC	FHA, VA	2	0.2%	50%	$255,000
Movement Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$95,000
Amerisave Mortgage Company	Conventional	2	0.2%	25%	$60,000
Paramount Bank A5.0 ★Texas Ratio: 8.70%	Conventional, VA	2	0.2%	66.7%	$365,000	View
Nations Direct Mortgage, LLC	Conventional	2	0.2%	100%	$230,000
Geneva Financial LLC	Conventional	2	0.2%	100%	$185,000
Carrington Mortgage Services LLC A5.0 ★Texas Ratio: 12.35%	Conventional, VA	2	0.2%	42.9%	$225,000	View
Gershman Investment Corp.	Conventional	2	0.2%	100%	$170,000
1St Source Bank A+5.0 ★Texas Ratio: 5.01%	Conventional	1	0.1%	100%	$305,000	View
Cadence Bank	VA	1	0.1%	100%	$155,000
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	VA	1	0.1%	100%	$475,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	VA	1	0.1%	100%	$455,000	View
Primary Residential Mortgage, INC.	FHA	1	0.1%	33.3%	$295,000
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	VA	1	0.1%	100%	$35,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	VA	1	0.1%	100%	$375,000	View
NOVA Financial & Investment Corporation	VA	1	0.1%	100%	$405,000
Kind Lending, LLC	VA	1	0.1%	100%	$335,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$145,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$485,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$385,000	View
First State Bank of St Charles	Conventional	1	0.1%	100%	$315,000
FirstTrust Home Loans	Conventional	1	0.1%	100%	$215,000
Jlb Corporation dba Golden Oak Lending	FHA	1	0.1%	100%	$365,000
Credit Human Federal Credit Un	Conventional	1	0.1%	100%	$55,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$145,000
Triad Bank A+5.0 ★Texas Ratio: 1.51%	Conventional	1	0.1%	100%	$165,000	View
Cardinal Financial Company, Li	FHA	1	0.1%	100%	$445,000
Credence Funding Corporation	VA	1	0.1%	100%	$385,000
Provident Funding Associates	Conventional	1	0.1%	100%	$315,000
Nations Lending Corporation	Conventional	1	0.1%	100%	$355,000
T2 Financial LLC	VA	1	0.1%	100%	$595,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$275,000
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$235,000
Uif Corporation	Conventional	1	0.1%	100%	$335,000
University Bank A+5.0 ★Texas Ratio: 3.82%	VA	1	0.1%	100%	$395,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$365,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$275,000	View
Zillow Home Loans, LLC	FHA	1	0.1%	100%	$175,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$125,000
Bankers' Bank A5.0 ★Texas Ratio: 7.37%	Conventional	1	0.1%	50%	$455,000	View
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	1	0.1%	100%	$445,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$215,000	View
Gmfs, LLC	Conventional	1	0.1%	100%	$185,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$205,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	33.3%	$85,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$345,000	View
Enterprise Bank & Trust A5.0 ★Texas Ratio: 7.31%	Conventional	1	0.1%	100%	$725,000	View
Leaderone Financial Corp.	FHA	1	0.1%	50%	$275,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$265,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	1	0.1%	100%	$395,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	0%
Summit Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank A+5.0 ★Texas Ratio: 0.18%	HELOC	0 +1 HELOCs	0%	n/a		View
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	HELOC	0 +1 HELOCs	0%	0%		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.

O'Fallon 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 O'Fallon, Illinois

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

Types of Mortgage Lenders in O'Fallon, IL

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

Mortgage companies and brokers 67 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 65 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 15 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 32 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 62 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in IL 32 lenders headquartered in Illinois, the closest thing to a mortgage lender near you

Who Lends in O'Fallon, IL

Independent mortgage companies closed 61.1 percent of home loans in O'Fallon, Illinois in 2025, banks 30.7 percent and credit unions 8.2 percent. Guaranteed Rate, Inc. was the largest mortgage company, Fcb Banks the largest bank and Scott Credit Union the largest credit union. Among lenders headquartered in Illinois, Fcb Banks led with 41 loans.

61.1%

Mortgage companies

30.7%

Banks

8.2%

Credit unions

FHA loans

40%

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 O'Fallon, IL

Who is the largest mortgage lender in O'Fallon, IL?

By home loans closed in 2025, Fcb Banks was the largest mortgage lender in O'Fallon, Illinois with 41 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in O'Fallon, IL have the highest approval rates?

Among lenders with meaningful volume in O'Fallon, Illinois, Delmar Financial Company approved the highest share of completed applications in 2025 at 97.7 percent, against a 87 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 O'Fallon, IL mortgage lenders offer FHA, VA and USDA loans?

32 lenders closed FHA loans in O'Fallon, Illinois in 2025, led by Delmar Financial Company with 9. 62 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.

Are credit unions and local banks included in this O'Fallon, IL lender list?

Yes. 65 banks and 15 credit unions closed home loans in O'Fallon, Illinois in 2025, alongside 67 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 O'Fallon, IL ranked on this page?

Lenders are ranked only by the number of home loans they closed in O'Fallon, 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 O'Fallon, 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 O'Fallon. 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.