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Mortgage Lenders and Brokers in St. Charles, Illinois

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

St. Charles, Illinois mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 3.68%, Barrington Bank & Trust Company, N.A.Barrington Bank & Trust Company, N.A.233 W Northwest Hwy, Barrington, IL 60010A+5.0 ★Texas Ratio: 2.20%, US Bank, N.A.US Bank, N.A.540 W Lake St, Addison, IL 60101A+5.0 ★Texas Ratio: 2.85%, Old Second National BankOld Second National Bank2000 W Galena Blvd, Aurora, IL 60506A5.0 ★Texas Ratio: 6.17%, Fifth Third Bank, National AssociationFifth Third Bank, National Association777 W Army Trail Blvd, Addison, IL 60101A+5.0 ★Texas Ratio: 3.22%, Wells Fargo Bank NAWells Fargo Bank NA245 N Main St, Canton, IL 61520A+5.0 ★Texas Ratio: 5.36%, St. Charles Bank & Trust Company, N.A.St. Charles Bank & Trust Company, N.A.2287 W Galena Blvd, Aurora, IL 60506A+5.0 ★Texas Ratio: 5.27%, Consumers Credit UnionConsumers Credit Union950 E Rand Rd, Arlington Heights, IL 60004A5.0 ★Texas Ratio: 6.15%, Bank of America NABank of America NA850 W Algonquin Rd, Arlington Heights, IL 60005A+5.0 ★Texas Ratio: 4.14%, and PNC Bank N.A.PNC Bank N.A.791 S Randall Rd, Algonquin, IL 60102A+5.0 ★Texas Ratio: 4.24%. 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 St. Charles, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Charles 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 St. Charles, Illinois

Market share is the lender's share of all home loans closed in St. Charles, 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
JPMorgan Chase Bank, NA 600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	27 +1 HELOCs	3.9%	84.4%	$377,592	View
Barrington Bank & Trust Company, N.A. 233 W Northwest Hwy, Barrington, IL 60010 A+5.0 ★Texas Ratio: 2.20%	Conventional	20	2.9%	95.2%	$369,500	View
US Bank, N.A. 540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	11 +8 HELOCs	1.6%	68.8%	$347,727	View
Old Second National Bank 2000 W Galena Blvd, Aurora, IL 60506 A5.0 ★Texas Ratio: 6.17%	Conventional, HELOC	10 +12 HELOCs	1.5%	100%	$342,000	View
Fifth Third Bank, National Association 777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	8 +18 HELOCs	1.2%	72.7%	$276,250	View
Wells Fargo Bank NA 245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	6	0.9%	100%	$458,333	View
St. Charles Bank & Trust Company, N.A. 2287 W Galena Blvd, Aurora, IL 60506 A+5.0 ★Texas Ratio: 5.27%	Conventional, Jumbo	6	0.9%	85.7%	$688,333	View
Consumers Credit Union 950 E Rand Rd, Arlington Heights, IL 60004 A5.0 ★Texas Ratio: 6.15%	Conventional, HELOC	5 +25 HELOCs	0.7%	83.3%	$209,000	View
Bank of America NA 850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +15 HELOCs	0.7%	100%	$587,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +6 HELOCs	0.6%	100%	$277,500	View
Huntington National Bank 103 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.6%	80%	$665,000	View
First American Bank 1780 W Fullerton Ave, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	3 +19 HELOCs	0.4%	100%	$165,000	View
Old National Bank 11900 S Pulaski Rd, Alsip, IL 60803 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	3 +2 HELOCs	0.4%	100%	$468,333	View
First State Mortgage Services 825 N Randall Rd, Batavia, IL 60510	Conventional	3	0.4%	100%	$261,666
The Federal Savings Bank 4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	3	0.4%	100%	$418,333	View
BMO Harris Bank NA 625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	2 +30 HELOCs	0.3%	66.7%	$345,000	View
DuPage Credit Union 725 Ogden Ave, Downers Grove, IL 60515 2915 A+5.0 ★Texas Ratio: 3.55%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$360,000	View
CIBC Bank USA 23840 W Eames St, Channahon, IL 60410 A+5.0 ★Texas Ratio: 5.05%	Conventional	2	0.3%	100%	$350,000	View
American Commercial Bank & Trust, National Association 1315 N North Branch St, Chicago, IL 60642 A+5.0 ★Texas Ratio: 3.75%	Conventional	2	0.3%	100%	$270,000	View
CIBM Bank 1801 E Empire St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 8.91%	Conventional	2	0.3%	100%	$380,000	View
The Harvard State Bank 33 N Ayer St, Harvard, IL 60033 A+5.0 ★Texas Ratio: 1.86%	Conventional, Jumbo	2	0.3%	100%	$710,000	View
Gold Coast Bank 1165 N Clark St, Chicago, IL 60610 A5.0 ★Texas Ratio: 6.28%	Conventional	2	0.3%	100%	$640,000	View
Associated Bank NA 104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	50%	$905,000	View
Success Lending, LLC 1807 W Cermak Rd, Broadview, IL 60155 A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0.1%	100%	$465,000	View
United Trust Bank 12330 S Harlem Ave, Palos Heights, IL 60463 A+5.0 ★Texas Ratio: 3.55%	FHA	1	0.1%	100%	$455,000	View
Cornerstone National Bank & Trust Company 1185 S Il Route 31, Crystal Lake, IL 60014 A+5.0 ★Texas Ratio: 0.20%	Conventional	1	0.1%	100%	$315,000	View
Central Credit Union of Illinois 440 Mulberry St, Andover, IL 61233 A-5.0 ★Texas Ratio: 15.39%	Conventional	1	0.1%	100%	$65,000	View
Armed Forces Bank, N.A. 26 Farragut Avenue, Great Lakes, IL 60088 A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$805,000	View
United Home Loans, Inc. 4747 W Peterson Ave Ste 100, Chicago, IL 60646	Conventional	1	0.1%	100%	$435,000
Wheaton Bank & Trust Company, N.A. 198 S Bolingbrook Dr, Bolingbrook, IL 60440 A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$355,000	View
Baxter Credit Union 1200 Lakeside Dr, Bannockburn, IL 60015 A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$45,000	View
The Northern Trust Co 770 W Northwest Hwy, Barrington, IL 60010 A4.7 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$325,000	View
First Federal Savings Bank 111 E Main St, Amboy, IL 61310 A5.0 ★Texas Ratio: 8.80%	Conventional	1	0.1%	100%	$285,000	View
Prairie State Bank & Trust 1101 Trinity Ln, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 2.86%	Conventional	1	0.1%	100%	$585,000	View
First National Bank of Omaha 1725 S State St, Belvidere, IL 61008 A+5.0 ★Texas Ratio: 4.82%	Conventional	1	0.1%	100%	$195,000	View
Alliant Credit Union 11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04%	HELOC	0 +1 HELOCs	0%	n/a		View
NuMark Credit Union 403 Asbury Dr, Aurora, IL 60502 A5.0 ★Texas Ratio: 8.07%	HELOC	0 +1 HELOCs	0%	n/a		View
Regions Bank 2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37%	HELOC	0 +1 HELOCs	0%	100%		View
Great Lakes Credit Union 351 E Il Route 173, Antioch, IL 60002 7355 A5.0 ★Texas Ratio: 9.76%	HELOC	0 +1 HELOCs	0%	n/a		View
Citibank, NA 1828 N Arlington Heights Rd, Arlington Heights, IL 60004 A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	50 +5 HELOCs	7.3%	94.3%	$370,600
Compass Mortgage, Inc.	Conventional, FHA	21	3%	100%	$382,619
Key Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, VA	17	2.5%	100%	$404,411	View
Mutual of Omaha Mortgage	Conventional, FHA, VA	9	1.3%	90%	$351,666
Guaranteed Rate Affinity, LLC	Conventional	6	0.9%	100%	$315,000
Originpoint, LLC	Conventional	5	0.7%	83.3%	$301,000
Cmg Mortgage Inc	Conventional, FHA	2	0.3%	100%	$350,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.3%	100%	$475,000	View
Citizens Equity First Credit U	Conventional	1	0.1%	100%	$215,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA	41	6%	87.2%	$359,878
Rocket Mortgage	Conventional, FHA, VA	38	5.5%	84.8%	$291,578
United Wholesale Mortgage	Conventional, FHA, VA	36	5.2%	90%	$372,500
Guild Mortgage Company	Conventional, FHA, VA	28	4.1%	100%	$320,714
American Pacific Mortgage Corporation	Conventional, VA, Jumbo	25	3.6%	100%	$407,400
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	22 +2 HELOCs	3.2%	95.7%	$398,636
Fairway Independent Mort Corp	Conventional, FHA	18	2.6%	94.7%	$387,777
Nationstar Mortgage	Conventional, FHA, VA	16	2.3%	94.1%	$195,625
Pennymac Loan Services LLC	Conventional, FHA	13	1.9%	100%	$291,153
Greenstate Credit Union	Conventional, Jumbo, HELOC	11 +4 HELOCs	1.6%	100%	$408,636
loanDepot.com LLC	Conventional, FHA, HELOC	10 +1 HELOCs	1.5%	100%	$293,000
Freedom Mortgage Corporation	Conventional, FHA, VA	10	1.5%	100%	$315,000
Newrez LLC	Conventional, FHA, VA	8	1.2%	66.7%	$311,250
Union Home Mortgage Corp.	Conventional, VA, HELOC	7 +1 HELOCs	1%	100%	$387,857
M/I Financial. LLC	Conventional, FHA	7	1%	87.5%	$463,571
Lower, LLC	Conventional	6	0.9%	100%	$418,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	5 +2 HELOCs	0.7%	100%	$431,000
Mortgage Research Center	VA	5	0.7%	71.4%	$359,000
New American Funding, LLC.	Conventional, FHA	5	0.7%	83.3%	$243,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.7%	83.3%	$135,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.6%	100%	$387,500	View
Success Mortgage Partners, Inc	Conventional	4	0.6%	100%	$412,500
Towne Mortgage Company	Conventional, VA	4	0.6%	100%	$505,000
Prosperity Home Mortgage, LLC	Conventional	4	0.6%	100%	$267,500
Mld Mortgage, Inc.Dba the Money Store	Conventional	4	0.6%	80%	$422,500
Movement Mortgage, LLC	Conventional	3	0.4%	100%	$445,000
Deephaven Mortgage LLC	Conventional, Jumbo	3	0.4%	75%	$571,666
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	3	0.4%	100%	$628,333	View
Point Mortgage Corp	Conventional, VA	3	0.4%	100%	$325,000
Planet Home Lending, LLC	Conventional, VA	3	0.4%	100%	$305,000
Plaza Home Mortgage, Inc	Conventional, FHA	3	0.4%	75%	$561,666
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$335,000	View
Cornerstone First Mortgage, LLC	Conventional	2	0.3%	100%	$485,000
First Western Trust Bank A+5.0 ★Texas Ratio: 5.16%	Conventional	2	0.3%	100%	$625,000	View
Primelending	Conventional	2	0.3%	66.7%	$260,000
Sage Home Loans Corporation	Conventional	2	0.3%	100%	$435,000
Kind Lending, LLC	FHA, VA	2	0.3%	100%	$355,000
AmeriHome Mortgage Company, LLC	Conventional	2	0.3%	66.7%	$450,000
Resicentral LLC	Conventional	2	0.3%	66.7%	$205,000
First Alliance Home Mortgage, LLC	Conventional	2	0.3%	100%	$275,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	2	0.3%	100%	$225,000	View
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	Conventional	2	0.3%	100%	$300,000	View
The Loan Store, Inc	Conventional	2	0.3%	100%	$480,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.3%	66.7%	$390,000	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	2	0.3%	100%	$915,000
Spring Eq, LLC	Conventional	2	0.3%	66.7%	$160,000
Polish & Slavic Federal Credit	Conventional	2	0.3%	66.7%	$505,000
Champions Funding, LLC	Conventional, Jumbo	2	0.3%	100%	$700,000
American Airlines Federal Cred	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$405,000
AmWest Funding Corp	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$365,000
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$485,000	View
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	1	0.1%	100%	$355,000
First Community Mortgage, Inc.	VA	1	0.1%	100%	$395,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$255,000
Lakeview Loan Servicing, LLC	FHA	1	0.1%	20%	$295,000
Nbkc Bank	Conventional	1	0.1%	100%	$325,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$635,000
PHH Mortgage Corporation	FHA	1	0.1%	100%	$255,000
Dart Bank	Conventional	1	0.1%	100%	$425,000
Loanunited.Com, LLC	Conventional	1	0.1%	50%	$475,000
Amerisave Mortgage Company	Conventional	1	0.1%	50%	$45,000
Synergy One Lending, Inc.	Conventional	1	0.1%	100%	$495,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,765,000
Thompson Kane & Company, Inc	Conventional	1	0.1%	100%	$385,000
Michigan Mutual, Inc	FHA	1	0.1%	100%	$455,000
Mortgage Assurance Inc	Conventional	1	0.1%	100%	$605,000
Discover Bank	Conventional	1	0.1%	16.7%	$85,000
Sun West Mortgage Company, Inc	Conventional	1	0.1%	100%	$315,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$515,000	View
American Financing Corporation	FHA	1	0.1%	100%	$325,000
Bay Equity LLC	Conventional	1	0.1%	50%	$265,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$105,000
Servis One, Inc	Conventional	1	0.1%	100%	$75,000
Incrediblebank A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	100%	$85,000	View
Provident Funding Associates	Conventional	1	0.1%	100%	$475,000
Geneva Financial LLC	Conventional	1	0.1%	100%	$315,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$335,000
Union Savings Bank	Conventional	1	0.1%	100%	$385,000
Lake Michigan Credit Union	Conventional	1	0.1%	100%	$335,000
Mission Loans, LLC	Conventional, Jumbo	1	0.1%	100%	$1,125,000
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$335,000
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$565,000
Endeavor Capital, LLC	FHA	1	0.1%	100%	$245,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$395,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$115,000	View
First Merchants Bank A+5.0 ★Texas Ratio: 4.12%	Conventional, Jumbo	1	0.1%	100%	$995,000	View
Gmfs, LLC	Conventional	1	0.1%	100%	$415,000
United Nations Federal CU	Conventional	1	0.1%	100%	$645,000
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$395,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$705,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$425,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +6 HELOCs	0%	0%		View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Msu Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northwest Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Arvest Bank A5.0 ★Texas Ratio: 7.48%	HELOC	0 +1 HELOCs	0%	n/a		View
Nasa Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

St. Charles Mortgage Rate Trends

Daily average mortgage rates for Illinois compared with the national average, updated every evening.

30-Year Fixed IL Avg

7.539%

▲ 0.123 vs 7 days ago

15-Year Fixed IL Avg

7.032%

▲ 0.101 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in St. Charles, Illinois

Looking for mortgage lenders near me or mortgage brokers near me in St. Charles? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Charles in 2025, with lenders based there listed first.

Types of Mortgage Lenders in St. Charles, IL

Use these to narrow the list above. Each category shows how many St. Charles, IL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 79 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 51 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 23 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 29 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 21 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 14 lenders. Loans above the conforming limit for higher priced homes Local lenders based in IL 35 lenders headquartered in Illinois, the closest thing to a mortgage lender near you

Who Lends in St. Charles, IL

Independent mortgage companies closed 71.8 percent of home loans in St. Charles, Illinois in 2025, banks 23.5 percent and credit unions 4.6 percent. Success Lending, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Consumers Credit Union the largest credit union. Among lenders headquartered in Illinois, Barrington Bank & Trust Company, N.A. led with 20 loans.

71.8%

Mortgage companies

23.5%

Banks

4.6%

Credit unions

FHA loans

VA 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

All Illinois lenders 932 lenders Chicago 527 lenders Joliet 211 lenders Naperville 240 lenders Rockford 167 lenders Aurora 206 lenders Springfield 140 lenders Elgin 204 lenders Plainfield 186 lenders Peoria 137 lenders Bolingbrook 168 lenders Belleville 141 lenders Oswego 159 lenders

Frequently Asked Questions About Mortgage Lenders in St. Charles, IL

Who is the largest mortgage lender in St. Charles, IL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in St. Charles, Illinois with 27 loans, about 3.9 percent of the market. The largest lender headquartered in Illinois was Barrington Bank & Trust Company, N.A. with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in St. Charles, IL have the highest approval rates?

Among lenders with meaningful volume in St. Charles, Illinois, Guaranteed Rate, Inc. approved the highest share of completed applications in 2025 at 94.3 percent, against a 90.3 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.

Which St. Charles, IL mortgage lenders offer FHA, VA and USDA loans?

29 lenders closed FHA loans in St. Charles, Illinois in 2025, led by DHI Mortgage Company, LTD. with 10. 21 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.

Are credit unions and local banks included in this St. Charles, IL lender list?

Yes. 51 banks and 23 credit unions closed home loans in St. Charles, Illinois in 2025, alongside 79 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.

How are mortgage lenders in St. Charles, IL ranked on this page?

Lenders are ranked only by the number of home loans they closed in St. Charles, 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 St. Charles, 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 St. Charles. 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.