Mortgage Lenders and Brokers in Pontiac, 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
Pontiac, Illinois mortgage lenders include Bank of PontiacBank of Pontiac1703 West Reynolds Street, Pontiac, IL 61764A+5.0 ★Texas Ratio: 1.83%, Flanagan State BankFlanagan State Bank423b W Madison St, Pontiac, IL 61764A4.7 ★Texas Ratio: 2.58%, First Financial Bank NAFirst Financial Bank NA223 N Mill St, Pontiac, IL 61764A+5.0 ★Texas Ratio: 3.47%, Streator Onized Credit UnionStreator Onized Credit Union610 S Newport Rd, Pontiac, IL 61764A+5.0 ★Texas Ratio: 2.17%, First State Mortgage ServicesFirst State Mortgage Services825 N Randall Rd, Batavia, IL 60510, United Community BankUnited Community Bank2403 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 2.53%, First State Bank of ForrestFirst State Bank of Forrest915 8th Ave, Erie, IL 61250B+4.8 ★Texas Ratio: 17.30%, US Bank, N.A.US Bank, N.A.540 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 2.85%, Illinois State Credit UnionIllinois State Credit Union1408 Airport Rd, Bloomington, IL 61704 2566A+5.0 ★Texas Ratio: 3.66%, and Busey BankBusey Bank4415 Martin Luther King Dr, Alton, IL 62002A+5.0 ★Texas Ratio: 2.31%. 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 Pontiac, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pontiac 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 Pontiac, Illinois
Market share is the lender's share of all home loans closed in Pontiac, 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 Pontiac 1703 West Reynolds Street, Pontiac, IL 61764 A+5.0 ★Texas Ratio: 1.83% |
Conventional | 81 | 42% | 97.6% | $113,765 | View |
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1 office in Pontiac 423b W Madison St, Pontiac, IL 61764 A4.7 ★Texas Ratio: 2.58% |
Conventional | 3 | 1.6% | 100% | $118,333 | View |
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2 offices in Pontiac 223 N Mill St, Pontiac, IL 61764 A+5.0 ★Texas Ratio: 3.47% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 33.3% | $105,000 | View |
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610 S Newport Rd, Pontiac, IL 61764 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 10 | 5.2% | 58.8% | $74,000 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional, FHA | 7 | 3.6% | 100% | $146,428 | |
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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 7 | 3.6% | 100% | $115,000 | View |
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915 8th Ave, Erie, IL 61250 B+4.8 ★Texas Ratio: 17.30% |
Conventional | 7 | 3.6% | 100% | $39,285 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA | 4 | 2.1% | 80% | $187,500 | View |
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1408 Airport Rd, Bloomington, IL 61704 2566 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 1% | 100% | $85,000 | View |
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
Conventional | 2 | 1% | 100% | $65,000 | View |
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1722 E Hamilton Rd, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 1 | 0.5% | 100% | $115,000 | View |
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2402 E Washington St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 9.74% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
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444 Bedford Rd, Morris, IL 60450 A+5.0 ★Texas Ratio: 0.94% |
USDA | 1 | 0.5% | 100% | $195,000 | 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 | 1 | 0.5% | 100% | $165,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
2.6% | 83.3% | $109,000 | |
Citizens Equity First Credit U
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Conventional, HELOC | 4 +2 HELOCs |
2.1% | 100% | $172,500 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 1% | 100% | $130,000 | |
Compass Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $95,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 8 | 4.1% | 75% | $193,750 | |
Synergy One Lending, Inc.
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Conventional, FHA | 6 | 3.1% | 85.7% | $95,000 | |
Pennymac Loan Services LLC
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FHA, VA | 5 | 2.6% | 83.3% | $187,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 2.1% | 100% | $155,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 2.1% | 50% | $90,000 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, USDA | 4 | 2.1% | 100% | $120,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 3 +1 HELOCs |
1.6% | 100% | $188,333 | |
Mortgage Research Center
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VA | 3 | 1.6% | 75% | $221,666 | |
Freedom Mortgage Corporation
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VA | 2 | 1% | 100% | $245,000 | |
21St Mortgage
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Conventional | 2 | 1% | 11.8% | $75,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional | 1 | 0.5% | 100% | $135,000 | |
Zippy Loans, LLC
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Conventional | 1 | 0.5% | 100% | $25,000 | |
United Wholesale Mortgage
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Conventional | 1 | 0.5% | 100% | $105,000 | |
American Financial Resources LLC
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VA | 1 | 0.5% | 100% | $125,000 | |
Greenstate Credit Union
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Conventional | 1 | 0.5% | 100% | $85,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 20% | $25,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.5% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.5% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.5% | 100% | $165,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 33.3% | $25,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Pontiac 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 Pontiac, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Pontiac? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pontiac in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pontiac, IL
Use these to narrow the list above. Each category shows how many Pontiac, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Pontiac, IL
Independent mortgage companies closed 29.5 percent of home loans in Pontiac, Illinois in 2025, banks 60.6 percent and credit unions 9.8 percent. Guaranteed Rate, Inc. was the largest mortgage company, Bank of Pontiac the largest bank and Streator Onized Credit Union the largest credit union. Among lenders headquartered in Illinois, Bank of Pontiac led with 81 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 Pontiac, IL
By home loans closed in 2025, Bank of Pontiac was the largest mortgage lender in Pontiac, Illinois with 81 loans, about 42 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Pontiac, Illinois, Bank of Pontiac approved the highest share of completed applications in 2025 at 97.6 percent, against a 81.7 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.
12 lenders closed FHA loans in Pontiac, Illinois in 2025, led by Rocket Mortgage with 3. 9 lenders closed VA loans, led by Pennymac Loan Services LLC, and 2 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. 16 banks and 6 credit unions closed home loans in Pontiac, Illinois in 2025, alongside 21 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 Pontiac, 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 Pontiac, 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 Pontiac. 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.
