Mortgage Lenders and Brokers in Rochester, 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
Rochester, Illinois mortgage lenders include United Community BankUnited Community Bank2403 Homer M Adams Pkwy, Alton, IL 62002A+5.0 ★Texas Ratio: 2.53%, Inb, National AssociationInb, National Association2402 E Washington St, Bloomington, IL 61704A5.0 ★Texas Ratio: 9.74%, Bank of SpringfieldBank of Springfield1015 W Windsor Rd, Champaign, IL 61821A5.0 ★Texas Ratio: 13.68%, Morton Community BankMorton Community Bank209 S Main St, Albany, IL 61230A+5.0 ★Texas Ratio: 5.85%, Alliance Community BankAlliance Community Bank200 N West St, Athens, IL 62613A+5.0 ★Texas Ratio: 3.93%, Heartland Bank & Trust CompanyHeartland Bank & Trust Company485 Lake St, Antioch, IL 60002A+5.0 ★Texas Ratio: 0.84%, PNC Bank N.A.PNC Bank N.A.791 S Randall Rd, Algonquin, IL 60102A+5.0 ★Texas Ratio: 4.24%, Bank & Trust CompanyBank & Trust Company196 S Walnut St, Rochester, IL 62563A+5.0 ★Texas Ratio: 2.47%, Security BankSecurity Bank2500 Stevenson Dr, Springfield, IL 62703A+5.0 ★Texas Ratio: 0.96%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%. 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 Rochester, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rochester 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 Rochester, Illinois
Market share is the lender's share of all home loans closed in Rochester, 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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2403 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.53% |
Conventional, HELOC | 22 +4 HELOCs |
13.8% | 100% | $195,454 | View |
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2402 E Washington St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 9.74% |
Conventional, VA | 17 | 10.7% | 100% | $322,647 | View |
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1015 W Windsor Rd, Champaign, IL 61821 A5.0 ★Texas Ratio: 13.68% |
Conventional, VA | 16 | 10.1% | 100% | $248,125 | View |
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209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85% |
Conventional, HELOC | 12 +3 HELOCs |
7.5% | 92.3% | $226,666 | View |
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200 N West St, Athens, IL 62613 A+5.0 ★Texas Ratio: 3.93% |
Conventional | 6 | 3.8% | 100% | $138,333 | View |
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485 Lake St, Antioch, IL 60002 A+5.0 ★Texas Ratio: 0.84% |
Conventional, HELOC | 4 +1 HELOCs |
2.5% | 50% | $205,000 | 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, VA, HELOC | 4 +1 HELOCs |
2.5% | 100% | $237,500 | View |
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196 S Walnut St, Rochester, IL 62563 A+5.0 ★Texas Ratio: 2.47% |
Conventional | 4 | 2.5% | 57.1% | $285,000 | View |
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2500 Stevenson Dr, Springfield, IL 62703 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 3 | 1.9% | 100% | $238,333 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
1.3% | 100% | $210,000 | View |
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202 W Park Ave, Champaign, IL 61820 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 2 | 1.3% | 100% | $310,000 | View |
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201 E State St, Modesto, IL 62667 A+5.0 ★Texas Ratio: 2.61% |
Conventional | 2 | 1.3% | 100% | $230,000 | View |
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East Illinois Street And Route 51, Assumption, IL 62510 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 2 | 1.3% | 100% | $265,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
FHA, HELOC | 1 +3 HELOCs |
0.6% | 66.7% | $255,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 50% | $195,000 | View |
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109 E Vermilion St, Catlin, IL 61817 A5.0 ★Texas Ratio: 10.85% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
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103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.6% | 100% | $55,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
Credit Union 1
750 S Halsted St Rm 220C, Chicago, IL 60607 7008 |
Conventional | 1 | 0.6% | 100% | $225,000 | |
Williamsville State Bank & Trust
6092 Business I 55, Sherman, IL 62684 |
Conventional | 1 | 0.6% | 100% | $165,000 | |
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300 Washington St, Beardstown, IL 62618 A+5.0 ★Texas Ratio: 1.02% |
Conventional | 1 | 0.6% | 50% | $85,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
FHA | 1 | 0.6% | 100% | $195,000 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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4415 Martin Luther King Dr, Alton, IL 62002 A+5.0 ★Texas Ratio: 2.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Heartland Credi T Union
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Conventional, HELOC | 4 +14 HELOCs |
2.5% | 100% | $227,500 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 2 +1 HELOCs |
1.3% | 100% | $280,000 | |
Citizens Equity First Credit U
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Conventional, HELOC | 1 +9 HELOCs |
0.6% | 100% | $305,000 | |
Diamond Residential Mtg Corp
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FHA | 1 | 0.6% | 100% | $195,000 | |
Community Banc Mortgage Corp
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VA | 1 | 0.6% | 100% | $355,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 8.2% | 92.9% | $140,384 | |
Mortgage Research Center
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VA | 5 | 3.1% | 83.3% | $377,000 | |
United Wholesale Mortgage
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Conventional, VA | 4 | 2.5% | 80% | $265,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 4 | 2.5% | 100% | $250,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1.3% | 100% | $300,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 1.3% | 100% | $270,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 2 | 1.3% | 100% | $280,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 1.3% | 66.7% | $105,000 | View |
American Financial Resources LLC
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VA | 1 | 0.6% | 100% | $235,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 0.6% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.6% | 100% | $285,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.6% | 100% | $245,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 100% | $65,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.6% | 100% | $375,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 33.3% | $85,000 | |
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A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.6% | 100% | $245,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $365,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.6% | 100% | $555,000 | View |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Rochester 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 Rochester, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Rochester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rochester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rochester, IL
Use these to narrow the list above. Each category shows how many Rochester, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Rochester, IL
Independent mortgage companies closed 27 percent of home loans in Rochester, Illinois in 2025, banks 69.2 percent and credit unions 3.8 percent. Guaranteed Rate, Inc. was the largest mortgage company, United Community Bank the largest bank and Credit Union 1 the largest credit union. Among lenders headquartered in Illinois, United Community Bank led with 22 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 Rochester, IL
By home loans closed in 2025, United Community Bank was the largest mortgage lender in Rochester, Illinois with 22 loans, about 13.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Rochester, Illinois in 2025, led by Rocket Mortgage with 2. 12 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.
Yes. 28 banks and 3 credit unions closed home loans in Rochester, Illinois in 2025, alongside 20 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 Rochester, 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 Rochester, 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 Rochester. 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.
