Mortgage Lenders and Brokers in Patoka, 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
Patoka, Illinois mortgage lenders include The FNB Community BankThe FNB Community Bank209 S Railroad St, Patoka, IL 62875A+5.0 ★Texas Ratio: 4.91%, Community Partners Savings BankCommunity Partners Savings Bank128 W 2nd St, Flora, IL 62839A5.0 ★Texas Ratio: 7.80%, Scott Credit UnionScott Credit Union4807 W Main St, Belleville, IL 62226 4722A+5.0 ★Texas Ratio: 3.36%, The Bradford National Bank of GreenvilleThe Bradford National Bank of Greenville692 N 4th Street, Breese, IL 62230A5.0 ★Texas Ratio: 11.76%, Dieterich BankDieterich Bank550 N 2nd St, Breese, IL 62230B+4.7 ★Texas Ratio: 18.69%, Regions BankRegions Bank2850 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 4.37%, Constitution Bank N.A.Constitution Bank N.A.502 East Main Street, Alhambra, IL 62001A+5.0 ★Texas Ratio: 4.88%, Germantown Trust & Savings BankGermantown Trust & Savings Bank703 Carlyle Road, Bartelso, IL 62218, Wells Fargo Bank NAWells Fargo Bank NA245 N Main St, Canton, IL 61520A+5.0 ★Texas Ratio: 5.36%, and Midland States BankMidland States Bank951 Dixie Hwy, Beecher, IL 60401A5.0 ★Texas Ratio: 9.50%. 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 Patoka, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Patoka 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 Patoka, Illinois
Market share is the lender's share of all home loans closed in Patoka, 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 Patoka 209 S Railroad St, Patoka, IL 62875 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 3 | 8.6% | 100% | $65,000 | View |
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128 W 2nd St, Flora, IL 62839 A5.0 ★Texas Ratio: 7.80% |
Conventional | 5 | 14.3% | 85.7% | $157,000 | View |
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4807 W Main St, Belleville, IL 62226 4722 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA | 3 | 8.6% | 66.7% | $118,333 | View |
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692 N 4th Street, Breese, IL 62230 A5.0 ★Texas Ratio: 11.76% |
Conventional | 2 | 5.7% | 100% | $95,000 | View |
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550 N 2nd St, Breese, IL 62230 B+4.7 ★Texas Ratio: 18.69% |
Conventional | 1 | 2.9% | 100% | $135,000 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 2.9% | 100% | $65,000 | View |
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502 East Main Street, Alhambra, IL 62001 A+5.0 ★Texas Ratio: 4.88% |
Conventional | 1 | 2.9% | 100% | $235,000 | View |
Germantown Trust & Savings Bank
703 Carlyle Road, Bartelso, IL 62218 |
Conventional | 1 | 2.9% | 100% | $65,000 | |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2.9% | 100% | $185,000 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
Conventional | 1 | 2.9% | 100% | $185,000 | View |
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400 Public Sq, Benton, IL 62812 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 2.9% | 50% | $335,000 | View |
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208 Public Sq, Benton, IL 62812 A5.0 ★Texas Ratio: 9.39% |
Conventional | 1 | 2.9% | 100% | $45,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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201 N Commercial St, Albers, IL 62215 A5.0 ★Texas Ratio: 7.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, FHA | 3 | 8.6% | 100% | $121,666 | View |
Flat Branch Mortgage, Inc.
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Conventional, FHA | 3 | 8.6% | 100% | $248,333 | |
United Wholesale Mortgage
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VA | 1 | 2.9% | 50% | $195,000 | |
Newrez LLC
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Conventional | 1 | 2.9% | 100% | $175,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 2.9% | 100% | $175,000 | |
FirstTrust Home Loans
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FHA | 1 | 2.9% | 100% | $125,000 | |
SIRVA Mortgage, Inc.
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Conventional | 1 | 2.9% | 100% | $305,000 | |
New American Funding, LLC.
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VA | 1 | 2.9% | 100% | $275,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 2.9% | 100% | $565,000 | |
21St Mortgage
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Conventional | 1 | 2.9% | 33.3% | $205,000 |
Patoka 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 Patoka, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Patoka? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Patoka in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Patoka, IL
Use these to narrow the list above. Each category shows how many Patoka, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Patoka, IL
Independent mortgage companies closed 40 percent of home loans in Patoka, Illinois in 2025, banks 51.4 percent and credit unions 8.6 percent. Delmar Financial Company was the largest mortgage company, The FNB Community Bank the largest bank and Scott Credit Union the largest credit union. Among lenders headquartered in Illinois, The FNB Community Bank led with 3 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 Patoka, IL
By home loans closed in 2025, The FNB Community Bank was the largest mortgage lender in Patoka, Illinois with 3 loans, about 8.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Patoka, Illinois in 2025, led by Flat Branch Mortgage, Inc. with 2. 2 lenders closed VA loans, led by United Wholesale Mortgage. 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. 13 banks and 1 credit unions closed home loans in Patoka, Illinois in 2025, alongside 10 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 Patoka, 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 Patoka, 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 Patoka. 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.
