Mortgage Lenders and Brokers in Rock Falls, 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
Rock Falls, Illinois mortgage lenders include Sauk Valley Bank & Trust CompanySauk Valley Bank & Trust Company904 1st Ave, Rock Falls, IL 61071A5.0 ★Texas Ratio: 7.96%, Midland States BankMidland States Bank941 1st Ave, Rock Falls, IL 61071A5.0 ★Texas Ratio: 9.50%, First Federal Savings BankFirst Federal Savings Bank701 1st Ave, Rock Falls, IL 61071A5.0 ★Texas Ratio: 8.80%, US Bank, N.A.US Bank, N.A.540 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 2.85%, Central Bank IllinoisCentral Bank Illinois440 Mulberry St, Andover, IL 61233A-5.0 ★Texas Ratio: 15.39%, Farmers National BankFarmers National Bank700 Us Highway 6 E, Geneseo, IL 61254A+5.0 ★Texas Ratio: 0.91%, Cornerstone Credit UnionCornerstone Credit Union550 W Meadows Dr, Freeport, IL 61032 7610A5.0 ★Texas Ratio: 8.59%, Fifth Third Bank, National AssociationFifth Third Bank, National Association777 W Army Trail Blvd, Addison, IL 60101A+5.0 ★Texas Ratio: 3.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%, and Union Savings BankUnion Savings Bank1320 N State St, Belvidere, IL 61008A+5.0 ★Texas Ratio: 2.18%. 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 Rock Falls, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rock Falls 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 Rock Falls, Illinois
Market share is the lender's share of all home loans closed in Rock Falls, 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 Rock Falls 904 1st Ave, Rock Falls, IL 61071 A5.0 ★Texas Ratio: 7.96% |
Conventional | 29 | 22.8% | 82.9% | $78,448 | View |
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1 office in Rock Falls 941 1st Ave, Rock Falls, IL 61071 A5.0 ★Texas Ratio: 9.50% |
Conventional, HELOC | 2 +2 HELOCs |
1.6% | 66.7% | $75,000 | View |
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1 office in Rock Falls 701 1st Ave, Rock Falls, IL 61071 A5.0 ★Texas Ratio: 8.80% |
Conventional | 1 | 0.8% | 100% | $75,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 6 | 4.7% | 54.5% | $176,666 | View |
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440 Mulberry St, Andover, IL 61233 A-5.0 ★Texas Ratio: 15.39% |
Conventional | 6 | 4.7% | 85.7% | $60,000 | View |
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700 Us Highway 6 E, Geneseo, IL 61254 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 3 | 2.4% | 100% | $45,000 | View |
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550 W Meadows Dr, Freeport, IL 61032 7610 A5.0 ★Texas Ratio: 8.59% |
Conventional | 2 | 1.6% | 100% | $45,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
FHA, HELOC | 1 +1 HELOCs |
0.8% | 100% | $115,000 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $65,000 | View |
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1320 N State St, Belvidere, IL 61008 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0.8% | 100% | $75,000 | View |
Longview Community Bank
100 E Olive St, Chestnut, IL 62518 |
Conventional | 1 | 0.8% | 100% | $25,000 | |
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125 W Bluff St, Marseilles, IL 61341 A+5.0 ★Texas Ratio: 2.75% |
Conventional | 1 | 0.8% | 100% | $235,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.8% | 100% | $65,000 | View |
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104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.8% | 100% | $125,000 | View |
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403 State St, Benson, IL 61516 A4.7 ★Texas Ratio: 2.58% |
FHA | 1 | 0.8% | 50% | $125,000 | View |
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1100 13th Ave, East Moline, IL 61244 1455 A+5.0 ★Texas Ratio: 5.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 5 | 3.9% | 100% | $127,000 | |
Compass Mortgage, Inc.
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Conventional | 2 | 1.6% | 100% | $70,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
FHA | 1 | 0.8% | 100% | $165,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 9 | 7.1% | 64.3% | $118,333 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 6 | 4.7% | 100% | $173,333 | |
United Wholesale Mortgage
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Conventional, FHA | 5 | 3.9% | 100% | $141,000 | |
Mortgage Research Center
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FHA, VA, USDA | 5 | 3.9% | 100% | $135,000 | |
Towne Mortgage Company
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Conventional, FHA, USDA | 5 | 3.9% | 100% | $127,000 | |
Greenstate Credit Union
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Conventional | 3 | 2.4% | 100% | $71,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 2.4% | 75% | $118,333 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 1.6% | 100% | $115,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 1.6% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 1.64% |
Conventional | 2 | 1.6% | 100% | $65,000 | View |
loanDepot.com LLC
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FHA, HELOC | 1 +1 HELOCs |
0.8% | 100% | $105,000 | |
Newrez LLC
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VA | 1 | 0.8% | 100% | $135,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $165,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.8% | 100% | $155,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.8% | 50% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.8% | 100% | $15,000 | View |
Flat Branch Mortgage, Inc.
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VA | 1 | 0.8% | 100% | $175,000 | |
Summit Credit Union
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Conventional | 1 | 0.8% | 100% | $75,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.8% | 100% | $235,000 | |
Nationstar Mortgage
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FHA | 1 | 0.8% | 100% | $55,000 | |
Lake Michigan Credit Union
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Conventional | 1 | 0.8% | 100% | $75,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.8% | 100% | $135,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.8% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.8% | 100% | $145,000 | View |
Geneva Financial LLC
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FHA | 1 | 0.8% | 100% | $175,000 | |
21St Mortgage
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Conventional | 1 | 0.8% | 100% | $45,000 | |
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A5.0 ★Texas Ratio: 12.35% |
Conventional | 1 | 0.8% | 100% | $95,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
USDA | 1 | 0.8% | 100% | $105,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.8% | 100% | $125,000 | |
Village Capital & Investment
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VA | 1 | 0.8% | 100% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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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 |
Rock Falls 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 Rock Falls, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Rock Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rock Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rock Falls, IL
Use these to narrow the list above. Each category shows how many Rock Falls, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Rock Falls, IL
Independent mortgage companies closed 45.7 percent of home loans in Rock Falls, Illinois in 2025, banks 46.5 percent and credit unions 7.9 percent. Guaranteed Rate, Inc. was the largest mortgage company, Sauk Valley Bank & Trust Company the largest bank and Cornerstone Credit Union the largest credit union. Among lenders headquartered in Illinois, Sauk Valley Bank & Trust Company led with 29 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 Rock Falls, IL
By home loans closed in 2025, Sauk Valley Bank & Trust Company was the largest mortgage lender in Rock Falls, Illinois with 29 loans, about 22.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Rock Falls, Illinois in 2025, led by Rocket Mortgage with 4. 8 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 18 banks and 6 credit unions closed home loans in Rock Falls, Illinois in 2025, alongside 28 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 Rock Falls, 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 Rock Falls, 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 Rock Falls. 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.
