Mortgage Lenders and Brokers in Oswego, 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
Oswego, Illinois mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2310 Us Highway 34, Oswego, IL 60543A+5.0 ★Texas Ratio: 3.68%, Old Second National BankOld Second National Bank1200 Douglas Rd, Oswego, IL 60543A5.0 ★Texas Ratio: 6.17%, US Bank, N.A.US Bank, N.A.2700 Us Highway 34, Oswego, IL 60543A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1 Merchants Plz, Oswego, IL 60543A+5.0 ★Texas Ratio: 3.22%, Old National BankOld National Bank2760 Route 34, Oswego, IL 60543A+5.0 ★Texas Ratio: 4.98%, First National Bank of OmahaFirst National Bank of Omaha6601 Route 34, Oswego, IL 60543A+5.0 ★Texas Ratio: 4.82%, BMO Harris Bank NABMO Harris Bank NA220 Douglas Rd, Oswego, IL 60543A+5.0 ★Texas Ratio: 3.54%, Barrington Bank & Trust Company, N.A.Barrington Bank & Trust Company, N.A.233 W Northwest Hwy, Barrington, IL 60010A+5.0 ★Texas Ratio: 2.20%, Homeland Mortgage CompanyHomeland Mortgage Company305 N 48th St, Quincy, IL 62305, and DuPage Credit UnionDuPage Credit Union725 Ogden Ave, Downers Grove, IL 60515 2915A+5.0 ★Texas Ratio: 3.55%. 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 Oswego, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oswego 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 Oswego, Illinois
Market share is the lender's share of all home loans closed in Oswego, 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 Oswego 2310 Us Highway 34, Oswego, IL 60543 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 32 +4 HELOCs |
2.7% | 82.5% | $309,375 | View |
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1 office in Oswego 1200 Douglas Rd, Oswego, IL 60543 A5.0 ★Texas Ratio: 6.17% |
Conventional, HELOC | 15 +27 HELOCs |
1.3% | 84.2% | $173,000 | View |
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1 office in Oswego 2700 Us Highway 34, Oswego, IL 60543 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, HELOC | 15 +7 HELOCs |
1.3% | 55.6% | $254,333 | View |
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2 offices in Oswego 1 Merchants Plz, Oswego, IL 60543 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 12 +42 HELOCs |
1% | 63.2% | $150,833 | View |
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1 office in Oswego 2760 Route 34, Oswego, IL 60543 A+5.0 ★Texas Ratio: 4.98% |
Conventional, VA, Jumbo, HELOC | 5 +10 HELOCs |
0.4% | 83.3% | $449,000 | View |
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2 offices in Oswego 6601 Route 34, Oswego, IL 60543 A+5.0 ★Texas Ratio: 4.82% |
Conventional, HELOC | 2 +3 HELOCs |
0.2% | 50% | $325,000 | View |
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1 office in Oswego 220 Douglas Rd, Oswego, IL 60543 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +19 HELOCs |
0.1% | 25% | $55,000 | View |
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233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20% |
Conventional | 9 | 0.8% | 90% | $243,888 | View |
Homeland Mortgage Company
305 N 48th St, Quincy, IL 62305 |
Conventional | 9 | 0.8% | 100% | $358,333 | |
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725 Ogden Ave, Downers Grove, IL 60515 2915 A+5.0 ★Texas Ratio: 3.55% |
Conventional, HELOC | 5 +10 HELOCs |
0.4% | 62.5% | $167,000 | View |
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11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04% |
Conventional, HELOC | 5 +5 HELOCs |
0.4% | 100% | $329,000 | View |
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★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 4 +27 HELOCs |
0.3% | 100% | $350,000 | View |
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103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +9 HELOCs |
0.3% | 80% | $265,000 | View |
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3060 W Sand Lake Rd, Lindenhurst, IL 60046 A+5.0 ★Texas Ratio: 3.87% |
Conventional, FHA | 4 | 0.3% | 83.3% | $370,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +11 HELOCs |
0.3% | 100% | $241,666 | View |
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950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15% |
Conventional, HELOC | 3 +5 HELOCs |
0.3% | 100% | $288,333 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional, FHA | 3 | 0.3% | 75% | $351,666 | |
United Home Loans, Inc.
4747 W Peterson Ave Ste 100, Chicago, IL 60646 |
Conventional | 3 | 0.3% | 100% | $285,000 | |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.3% | 50% | $238,333 | View |
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1801 E Empire St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 8.91% |
Conventional | 3 | 0.3% | 75% | $291,666 | View |
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1780 W Fullerton Ave, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.93% |
Conventional, HELOC | 2 +9 HELOCs |
0.2% | 66.7% | $80,000 | View |
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104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 2 +3 HELOCs |
0.2% | 100% | $225,000 | View |
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1200 Lakeside Dr, Bannockburn, IL 60015 A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $105,000 | View |
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1807 W Cermak Rd, Broadview, IL 60155 A+5.0 ★Texas Ratio: 3.62% |
Conventional | 2 | 0.2% | 100% | $425,000 | View |
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125 W Bluff St, Marseilles, IL 61341 A+5.0 ★Texas Ratio: 2.75% |
Conventional | 2 | 0.2% | 100% | $360,000 | View |
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1747 W North Ave, Chicago, IL 60622 A5.0 ★Texas Ratio: 8.69% |
Conventional | 2 | 0.2% | 100% | $360,000 | View |
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1100 13th Ave, East Moline, IL 61244 1455 A+5.0 ★Texas Ratio: 5.75% |
Conventional | 2 | 0.2% | 100% | $360,000 | View |
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Route 14 And Main Street, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 2 | 0.2% | 100% | $100,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
Conventional | 2 | 0.2% | 75% | $125,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
Conventional | 2 | 0.2% | 100% | $360,000 | View |
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403 Asbury Dr, Aurora, IL 60502 A5.0 ★Texas Ratio: 8.07% |
Conventional, HELOC | 1 +9 HELOCs |
0.1% | 100% | $205,000 | View |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $535,000 | View |
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1450 Maple Ave, Lisle, IL 60532 A+5.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.1% | 100% | $485,000 | View |
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9136 Washington Ave, Brookfield, IL 60513 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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730 Engineering Ave, Springfield, IL 62703 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
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230 W Monroe St, Chicago, IL 60606 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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249 S River Rd, Des Plaines, IL 60016 A+5.0 ★Texas Ratio: 5.30% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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1100 Sibley Blvd, Calumet City, IL 60409 A+5.0 ★Texas Ratio: 0.18% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
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1250 Village Dr, Arlington Heights, IL 60004 A+5.0 ★Texas Ratio: 1.60% |
Conventional | 1 | 0.1% | 100% | $485,000 | View |
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1315 N North Branch St, Chicago, IL 60642 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 1 | 0.1% | 100% | $705,000 | View |
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825 N Randall Rd, Batavia, IL 60510 A+5.0 ★Texas Ratio: 3.55% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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10 W North Ave, Cortland, IL 60112 B+4.7 ★Texas Ratio: 18.28% |
Conventional | 1 | 0.1% | 100% | $595,000 | View |
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111 E Main St, Amboy, IL 61310 A5.0 ★Texas Ratio: 8.80% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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234 N Bolingbrook Dr, Bolingbrook, IL 60440 A+5.0 ★Texas Ratio: 0.74% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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351 E Il Route 173, Antioch, IL 60002 7355 A5.0 ★Texas Ratio: 9.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1828 N Arlington Heights Rd, Arlington Heights, IL 60004 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 63 +7 HELOCs |
5.3% | 94.1% | $342,619 | |
Compass Mortgage, Inc.
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Conventional, FHA, VA | 24 | 2% | 100% | $359,166 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional, FHA, VA | 13 | 1.1% | 100% | $348,076 | View |
Mutual of Omaha Mortgage
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Conventional, FHA, VA, HELOC | 11 +1 HELOCs |
0.9% | 100% | $312,272 | |
American Portfolio Mortgage Corporation
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Conventional, FHA | 4 | 0.3% | 100% | $360,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 4 | 0.3% | 100% | $362,500 | View |
The Anderson Financial Group, Inc.
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Conventional, FHA | 4 | 0.3% | 100% | $430,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 3 | 0.3% | 75% | $245,000 | |
Originpoint, LLC
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Conventional | 2 | 0.2% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $455,000 | View |
Neighborhood Loans, Inc
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Conventional | 1 | 0.1% | 8.3% | $15,000 | |
Pacor Mortgage Corp
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Diamond Residential Mtg Corp
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FHA | 1 | 0.1% | 100% | $395,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $315,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Crown Mortgage Company
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Ruhl Mortgage LLC
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FHA | 1 | 0.1% | 100% | $335,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 135 +1 HELOCs |
11.3% | 99.3% | $417,666 | |
M/I Financial. LLC
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Conventional, FHA, VA | 93 | 7.8% | 95.4% | $442,096 | |
Rocket Mortgage
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Conventional, FHA, VA | 89 | 7.4% | 82.6% | $237,247 | |
Lennar Mortgage, LLC
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Conventional, FHA | 70 | 5.8% | 95.9% | $432,285 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 45 +1 HELOCs |
3.8% | 97.8% | $202,111 | |
Guild Mortgage Company
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Conventional, FHA, VA | 45 | 3.8% | 97.9% | $320,333 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 31 | 2.6% | 72.1% | $400,806 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 25 +5 HELOCs |
2.1% | 96.3% | $342,200 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 21 | 1.8% | 89.7% | $322,142 | |
Nationstar Mortgage
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Conventional, FHA | 21 | 1.8% | 84.6% | $157,380 | |
The Loan Store, Inc
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Conventional, HELOC | 20 +2 HELOCs |
1.7% | 100% | $302,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 19 | 1.6% | 90.5% | $365,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 18 | 1.5% | 79.2% | $330,000 | |
Newrez LLC
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Conventional, FHA, VA | 13 | 1.1% | 53.8% | $272,692 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 13 | 1.1% | 100% | $305,769 | |
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 11 +1 HELOCs |
0.9% | 100% | $390,454 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 11 | 0.9% | 84.6% | $355,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 10 +4 HELOCs |
0.8% | 76.9% | $249,000 | |
Greenstate Credit Union
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Conventional, HELOC | 10 +1 HELOCs |
0.8% | 85.7% | $276,000 | |
Point Mortgage Corp
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Conventional, FHA | 10 | 0.8% | 100% | $264,000 | |
Mortgage Research Center
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VA | 9 | 0.8% | 75% | $389,444 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 9 | 0.8% | 75% | $161,666 | View |
Lower, LLC
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Conventional | 8 | 0.7% | 100% | $378,750 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 7 | 0.6% | 47.4% | $212,142 | |
Spring Eq, LLC
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Conventional, HELOC | 6 +3 HELOCs |
0.5% | 40% | $73,333 | |
Amerisave Mortgage Company
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Conventional, FHA | 6 | 0.5% | 28.6% | $153,333 | |
Bay Equity LLC
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Conventional | 5 | 0.4% | 100% | $243,000 | |
Geneva Financial LLC
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Conventional, FHA | 5 | 0.4% | 100% | $233,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 5 | 0.4% | 41.7% | $337,000 | |
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A-5.0 ★Texas Ratio: 14.33% |
Conventional, HELOC | 4 +2 HELOCs |
0.3% | 66.7% | $210,000 | View |
Nbkc Bank
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Conventional, VA | 4 | 0.3% | 100% | $330,000 | |
Resicentral LLC
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Conventional, FHA | 4 | 0.3% | 100% | $417,500 | |
Planet Home Lending, LLC
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FHA, VA | 4 | 0.3% | 100% | $397,500 | |
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A5.0 ★Texas Ratio: 12.35% |
Conventional, FHA, VA | 4 | 0.3% | 50% | $212,500 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 3 | 0.3% | 100% | $318,333 | View |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional, FHA | 3 | 0.3% | 100% | $375,000 | |
Affordable Mortgage Advisors
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Conventional, FHA | 3 | 0.3% | 100% | $448,333 | |
AmWest Funding Corp
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Conventional | 3 | 0.3% | 100% | $371,666 | |
Discover Bank
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Conventional | 3 | 0.3% | 13% | $68,333 | |
New Wave Lending Group Inc
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Conventional | 3 | 0.3% | 100% | $261,666 | |
Provident Funding Associates
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Conventional | 3 | 0.3% | 75% | $391,666 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $345,000 | |
American Financial Resources LLC
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Conventional, VA | 2 | 0.2% | 100% | $470,000 | |
Servion
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Conventional | 2 | 0.2% | 100% | $240,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.2% | 100% | $360,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $330,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 0.2% | 100% | $435,000 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.2% | 100% | $415,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 0.2% | 100% | $520,000 | View |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 2 | 0.2% | 66.7% | $295,000 | |
US Wide Financial LLC
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Conventional | 2 | 0.2% | 100% | $380,000 | |
T2 Financial LLC
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Conventional, FHA | 2 | 0.2% | 100% | $265,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.2% | 66.7% | $245,000 | |
Towne Mortgage Company
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Conventional | 2 | 0.2% | 100% | $300,000 | |
Endeavor Capital, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 2 | 0.2% | 100% | $355,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.2% | 100% | $370,000 | View |
Plaza Home Mortgage, Inc
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FHA | 2 | 0.2% | 100% | $380,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 2 | 0.2% | 100% | $470,000 | |
The Mortgage Link, Inc.
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FHA | 2 | 0.2% | 100% | $290,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.2% | 100% | $445,000 | |
Village Capital & Investment
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VA | 2 | 0.2% | 50% | $575,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +7 HELOCs |
0.1% | 50% | $115,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $525,000 | View |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $65,000 | |
Arc Home LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.1% | 100% | $105,000 | |
First Community Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $485,000 | |
Primelending
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VA | 1 | 0.1% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $575,000 | |
Compeer Financial
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Dart Bank
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.1% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.1% | 100% | $505,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $545,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.1% | 100% | $465,000 | |
Thompson Kane & Company, Inc
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Ahl Funding
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FHA | 1 | 0.1% | 100% | $445,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.1% | 33.3% | $175,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.1% | 100% | $445,000 | |
Weichert Financial Services
|
Conventional | 1 | 0.1% | 100% | $365,000 | |
Greenbox Loans
|
Conventional | 1 | 0.1% | 100% | $305,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.1% | 100% | $515,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $405,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $505,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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C3.9 ★Texas Ratio: 27.97% |
VA | 1 | 0.1% | 100% | $535,000 | View |
Stockton Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $465,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Gmfs, LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.1% | 100% | $485,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $205,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +13 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +9 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
|
HELOC | 0 +3 HELOCs |
0% | 0% | ||
HomeBridge Financial Services, Inc
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Tech Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Oswego 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 Oswego, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Oswego? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oswego in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oswego, IL
Use these to narrow the list above. Each category shows how many Oswego, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Oswego, IL
Independent mortgage companies closed 82.1 percent of home loans in Oswego, Illinois in 2025, banks 14.2 percent and credit unions 3.8 percent. Homeland Mortgage Company was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and DuPage Credit Union the largest credit union. Among lenders headquartered in Illinois, Old Second National Bank led with 15 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.
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Frequently Asked Questions About Mortgage Lenders in Oswego, IL
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oswego, Illinois with 32 loans, about 2.7 percent of the market. The largest lender headquartered in Illinois was Old Second National Bank with 15 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oswego, Illinois, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 99.3 percent, against a 84.8 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.
48 lenders closed FHA loans in Oswego, Illinois in 2025, led by M/I Financial. LLC with 20. 28 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 49 banks and 20 credit unions closed home loans in Oswego, Illinois in 2025, alongside 100 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 Oswego, 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 Oswego, 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 Oswego. 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.
