Mortgage Lenders and Brokers in Ottawa, 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
Ottawa, Illinois mortgage lenders include Financial Plus Credit UnionFinancial Plus Credit Union800 Chestnut St, Ottawa, IL 61350A+5.0 ★Texas Ratio: 4.80%, Osb Community BankOsb Community Bank925 La Salle St, Ottawa, IL 61350A+5.0 ★Texas Ratio: 2.75%, First Federal Savings BankFirst Federal Savings Bank433 W Main St, Ottawa, IL 61350A5.0 ★Texas Ratio: 8.80%, American Commercial Bank & Trust, National AssociationAmerican Commercial Bank & Trust, National Association300 West Madison Street, Ottawa, IL 61350A+5.0 ★Texas Ratio: 3.75%, First State BankFirst State Bank1212 La Salle St, Ottawa, IL 61350A+5.0 ★Texas Ratio: 3.55%, Old Second National BankOld Second National Bank323 E Norris Dr, Ottawa, IL 61350A5.0 ★Texas Ratio: 6.17%, Midland States BankMidland States Bank400 E Etna Rd, Ottawa, IL 61350A5.0 ★Texas Ratio: 9.50%, Grundy BankGrundy Bank444 Bedford Rd, Morris, IL 60450A+5.0 ★Texas Ratio: 0.94%, Streator Onized Credit UnionStreator Onized Credit Union721 Columbus St, Ottawa, IL 61350A+5.0 ★Texas Ratio: 2.17%, and Eureka Savings BankEureka Savings Bank250 Marquette St, La Salle, IL 61301A5.0 ★Texas Ratio: 9.12%. 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 Ottawa, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ottawa 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 Ottawa, Illinois
Market share is the lender's share of all home loans closed in Ottawa, 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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800 Chestnut St, Ottawa, IL 61350 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 61 | 13.5% | 93.9% | $161,229 | View |
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925 La Salle St, Ottawa, IL 61350 A+5.0 ★Texas Ratio: 2.75% |
Conventional | 27 | 6% | 88.2% | $183,148 | View |
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1 office in Ottawa 433 W Main St, Ottawa, IL 61350 A5.0 ★Texas Ratio: 8.80% |
Conventional, FHA | 25 | 5.5% | 83.3% | $159,800 | View |
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3 offices in Ottawa 300 West Madison Street, Ottawa, IL 61350 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 18 | 4% | 85.7% | $170,000 | View |
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1 office in Ottawa 1212 La Salle St, Ottawa, IL 61350 A+5.0 ★Texas Ratio: 3.55% |
Conventional | 7 | 1.5% | 87.5% | $227,857 | View |
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1 office in Ottawa 323 E Norris Dr, Ottawa, IL 61350 A5.0 ★Texas Ratio: 6.17% |
Conventional, HELOC | 4 +6 HELOCs |
0.9% | 100% | $220,000 | View |
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1 office in Ottawa 400 E Etna Rd, Ottawa, IL 61350 A5.0 ★Texas Ratio: 9.50% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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444 Bedford Rd, Morris, IL 60450 A+5.0 ★Texas Ratio: 0.94% |
Conventional | 13 | 2.9% | 100% | $131,153 | View |
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721 Columbus St, Ottawa, IL 61350 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 10 | 2.2% | 71.4% | $138,000 | View |
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★ 5 stars, 1 review 250 Marquette St, La Salle, IL 61301 A5.0 ★Texas Ratio: 9.12% |
Conventional | 7 | 1.5% | 87.5% | $202,142 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
1.3% | 60% | $215,000 | View |
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11900 S Pulaski Rd, Alsip, IL 60803 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, HELOC | 5 +3 HELOCs |
1.1% | 83.3% | $165,000 | View |
First State Mortgage Services
1212 La Salle St, Ottawa, IL 61350 |
Conventional, FHA, VA | 4 | 0.9% | 100% | $160,000 | |
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311 E Joliet St, Ottawa, IL 61350 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 3 +1 HELOCs |
0.7% | 100% | $108,333 | 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 | 3 +1 HELOCs |
0.7% | 100% | $258,333 | View |
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10 W North Ave, Cortland, IL 60112 B+4.7 ★Texas Ratio: 18.28% |
Conventional | 3 | 0.7% | 100% | $125,000 | View |
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1725 S State St, Belvidere, IL 61008 A+5.0 ★Texas Ratio: 4.82% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $165,000 | View |
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3060 W Sand Lake Rd, Lindenhurst, IL 60046 A+5.0 ★Texas Ratio: 3.87% |
Conventional, FHA | 2 | 0.4% | 100% | $285,000 | View |
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4001 General Electric Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 1.83% |
Conventional | 2 | 0.4% | 100% | $95,000 | View |
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625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 2 | 0.4% | 50% | $175,000 | View |
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11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $155,000 | View |
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103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $615,000 | View |
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23840 W Eames St, Channahon, IL 60410 A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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403 Asbury Dr, Aurora, IL 60502 A5.0 ★Texas Ratio: 8.07% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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608 W Blackhawk Dr, Byron, IL 61010 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 100% | $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% | $165,000 | View |
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358 17th Ave, East Moline, IL 61244 A5.0 ★Texas Ratio: 6.34% |
Conventional | 1 | 0.2% | 100% | $485,000 | View |
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
Conventional | 1 | 0.2% | 100% | $115,000 | View |
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2500 Stevenson Dr, Springfield, IL 62703 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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180 E Bodman St, Bement, IL 61813 A+5.0 ★Texas Ratio: 3.18% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
FHA | 1 | 0.2% | 100% | $135,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1780 W Fullerton Ave, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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725 Ogden Ave, Downers Grove, IL 60515 2915 A+5.0 ★Texas Ratio: 3.55% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 25 +1 HELOCs |
5.5% | 92.9% | $158,600 | |
Neighborhood Loans, Inc
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Conventional | 5 | 1.1% | 83.3% | $9,000 | |
Compass Mortgage, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $170,000 | |
Originpoint, LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.2% | 50% | $155,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 100% | $165,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, USDA | 42 | 9.3% | 95.5% | $197,619 | |
Rocket Mortgage
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Conventional, FHA, VA | 29 | 6.4% | 74.4% | $179,137 | |
Guild Mortgage Company
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Conventional, FHA | 17 | 3.8% | 100% | $188,529 | |
Mortgage Research Center
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Conventional, VA | 16 | 3.5% | 100% | $213,125 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 9 | 2% | 100% | $192,777 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 1.5% | 100% | $250,714 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 1.5% | 77.8% | $133,571 | |
United Wholesale Mortgage
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Conventional, FHA | 6 | 1.3% | 75% | $223,333 | |
Point Mortgage Corp
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Conventional, FHA | 5 | 1.1% | 100% | $161,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 0.9% | 100% | $72,500 | |
Greenstate Credit Union
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Conventional | 3 | 0.7% | 80% | $308,333 | |
Lower, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $335,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.4% | 100% | $265,000 | |
Primelending
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Conventional | 2 | 0.4% | 100% | $230,000 | |
Servion
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Conventional | 2 | 0.4% | 100% | $175,000 | |
Discover Bank
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Conventional | 2 | 0.4% | 50% | $65,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 100% | $70,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 2 | 0.4% | 100% | $155,000 | |
Thrivent Federal Credit Union
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Conventional | 2 | 0.4% | 75% | $100,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA, USDA | 2 | 0.4% | 100% | $225,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 2 | 0.4% | 100% | $290,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 0.4% | 100% | $150,000 | |
The Mortgage Link, Inc.
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Conventional | 2 | 0.4% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $205,000 | View |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.2% | 100% | $135,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
Affordable Mortgage Advisors
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Everett Financial, Inc.
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USDA | 1 | 0.2% | 100% | $235,000 | |
Newrez LLC
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FHA | 1 | 0.2% | 50% | $305,000 | |
Equity Prime Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.2% | 100% | $215,000 | |
Dart Bank
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 20% | $85,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Flat Branch Mortgage, Inc.
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FHA | 1 | 0.2% | 100% | $315,000 | |
Bay Equity LLC
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FHA | 1 | 0.2% | 100% | $145,000 | |
Weichert Financial Services
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Conventional | 1 | 0.2% | 100% | $305,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $185,000 | View |
Towne Mortgage Company
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USDA | 1 | 0.2% | 50% | $305,000 | |
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A-5.0 ★Texas Ratio: 14.33% |
FHA | 1 | 0.2% | 100% | $275,000 | View |
Endeavor Capital, LLC
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FHA | 1 | 0.2% | 100% | $145,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.2% | 50% | $175,000 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.2% | 100% | $165,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.2% | 100% | $485,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $115,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Uw Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ottawa 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 Ottawa, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Ottawa? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ottawa in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ottawa, IL
Use these to narrow the list above. Each category shows how many Ottawa, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Ottawa, IL
Independent mortgage companies closed 46.9 percent of home loans in Ottawa, Illinois in 2025, banks 33.8 percent and credit unions 19.2 percent. Guaranteed Rate, Inc. was the largest mortgage company, Osb Community Bank the largest bank and Financial Plus Credit Union the largest credit union. Among lenders headquartered in Illinois, Financial Plus Credit Union led with 61 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 Ottawa, IL
By home loans closed in 2025, Financial Plus Credit Union was the largest mortgage lender in Ottawa, Illinois with 61 loans, about 13.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ottawa, Illinois, Financial Plus Credit Union approved the highest share of completed applications in 2025 at 93.9 percent, against a 88.2 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.
28 lenders closed FHA loans in Ottawa, Illinois in 2025, led by loanDepot.com LLC with 11. 10 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 43 banks and 14 credit unions closed home loans in Ottawa, Illinois in 2025, alongside 46 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 Ottawa, 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 Ottawa, 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 Ottawa. 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.
