Mortgage Lenders and Brokers in Swansea, 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
Swansea, Illinois mortgage lenders include Fcb BanksFcb Banks2610 N Illinois St, Swansea, IL 62226A5.0 ★Texas Ratio: 7.31%, Regions BankRegions Bank1300 N Belt W, Swansea, IL 62226A+5.0 ★Texas Ratio: 4.37%, First National Bank of WaterlooFirst National Bank of Waterloo4101 N Illinois St, Swansea, IL 62226A5.0 ★Texas Ratio: 8.07%, Bank of SpringfieldBank of Springfield1717 N Illinois St, Swansea, IL 62226A5.0 ★Texas Ratio: 13.68%, Busey BankBusey Bank3685 Sullivan Dr, Swansea, IL 62226A+5.0 ★Texas Ratio: 2.31%, First BankFirst Bank4387 N Illinois St, Swansea, IL 62226A+5.0 ★Texas Ratio: 2.49%, Scott Credit UnionScott Credit Union4807 W Main St, Belleville, IL 62226 4722A+5.0 ★Texas Ratio: 3.36%, Bank of O'FallonBank of O'Fallon901 S Lincoln Ave, OFallon, IL 62269A+5.0 ★Texas Ratio: 5.16%, Bank of BellevilleBank of Belleville215 S Illinois St, Belleville, IL 62220B4.6 ★Texas Ratio: 19.57%, and Citizens Community BankCitizens Community Bank620 N State St, Freeburg, IL 62243D3.1 ★Texas Ratio: 38.34%. 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 Swansea, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Swansea 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 Swansea, Illinois
Market share is the lender's share of all home loans closed in Swansea, 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 Swansea 2610 N Illinois St, Swansea, IL 62226 A5.0 ★Texas Ratio: 7.31% |
Conventional, FHA, VA, HELOC | 20 +4 HELOCs |
5.8% | 95.2% | $204,500 | View |
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1 office in Swansea 1300 N Belt W, Swansea, IL 62226 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 8 +20 HELOCs |
2.3% | 69.2% | $131,250 | View |
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1 office in Swansea 4101 N Illinois St, Swansea, IL 62226 A5.0 ★Texas Ratio: 8.07% |
Conventional | 2 | 0.6% | 100% | $180,000 | View |
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1 office in Swansea 1717 N Illinois St, Swansea, IL 62226 A5.0 ★Texas Ratio: 13.68% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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1 office in Swansea 3685 Sullivan Dr, Swansea, IL 62226 A+5.0 ★Texas Ratio: 2.31% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
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1 office in Swansea 4387 N Illinois St, Swansea, IL 62226 A+5.0 ★Texas Ratio: 2.49% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4807 W Main St, Belleville, IL 62226 4722 A+5.0 ★Texas Ratio: 3.36% |
Conventional, FHA, VA, HELOC | 8 +6 HELOCs |
2.3% | 80% | $286,250 | View |
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901 S Lincoln Ave, OFallon, IL 62269 A+5.0 ★Texas Ratio: 5.16% |
Conventional | 5 | 1.5% | 100% | $155,000 | View |
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215 S Illinois St, Belleville, IL 62220 B4.6 ★Texas Ratio: 19.57% |
Conventional | 4 | 1.2% | 100% | $140,000 | View |
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620 N State St, Freeburg, IL 62243 D3.1 ★Texas Ratio: 38.34% |
Conventional | 4 | 1.2% | 100% | $157,500 | View |
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600 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 3 | 0.9% | 75% | $188,333 | View |
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104 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.45% |
Conventional, VA, HELOC | 2 +2 HELOCs |
0.6% | 100% | $225,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 50% | $170,000 | View |
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120 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 3.58% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.6% | 100% | $270,000 | View |
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701 Belt Line Rd, Collinsville, IL 62234 A+5.0 ★Texas Ratio: 0.23% |
Conventional | 2 | 0.6% | 100% | $195,000 | View |
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115 S Madison St, Lebanon, IL 62254 B+4.8 ★Texas Ratio: 17.14% |
Conventional | 2 | 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 | 0.3% | 100% | $415,000 | View |
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12330 S Harlem Ave, Palos Heights, IL 60463 A+5.0 ★Texas Ratio: 3.55% |
VA | 1 | 0.3% | 100% | $275,000 | View |
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850 W Algonquin Rd, Arlington Heights, IL 60005 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $525,000 | View |
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692 N 4th Street, Breese, IL 62230 A5.0 ★Texas Ratio: 11.76% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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4000 W Diversey Ave, Chicago, IL 60639 B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.3% | 100% | $325,000 | View |
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101 N High St, Belleville, IL 62220 A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
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★ 1.7 stars, 3 reviews 791 S Randall Rd, Algonquin, IL 60102 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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442 S Demazenod Dr, Belleville, IL 62223 A+5.0 ★Texas Ratio: 0.89% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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625 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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11545 W Touhy Ave, Chicago, IL 60666 A5.0 ★Texas Ratio: 6.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 9 +1 HELOCs |
2.6% | 81.8% | $233,888 | |
Cmg Mortgage Inc
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VA, HELOC | 2 +1 HELOCs |
0.6% | 100% | $445,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
Mutual of Omaha Mortgage
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FHA | 1 | 0.3% | 100% | $435,000 | |
Citizens Equity First Credit U
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 24 | 7% | 92.6% | $319,166 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, FHA, VA | 22 | 6.4% | 100% | $247,727 | View |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 6.1% | 84.6% | $220,714 | |
Mortgage Research Center
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Conventional, FHA, VA | 18 | 5.3% | 69.2% | $342,777 | |
New American Funding, LLC.
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Conventional, FHA, VA | 16 | 4.7% | 88.9% | $212,500 | |
Freedom Mortgage Corporation
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FHA, VA | 12 | 3.5% | 92.9% | $260,833 | |
Primelending
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Conventional, VA | 11 | 3.2% | 100% | $226,818 | |
Guild Mortgage Company
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Conventional, FHA | 11 | 3.2% | 100% | $162,272 | |
Nationstar Mortgage
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Conventional, VA | 9 | 2.6% | 100% | $120,555 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 2.3% | 61.5% | $233,750 | |
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A+5.0 ★Texas Ratio: 5.66% |
Conventional, FHA, VA | 8 | 2.3% | 88.9% | $285,000 | View |
Endeavor Capital, LLC
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Conventional, FHA, VA | 6 | 1.8% | 100% | $260,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +3 HELOCs |
1.5% | 83.3% | $191,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 1.5% | 100% | $277,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 4 | 1.2% | 80% | $240,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 1.2% | 66.7% | $132,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 4 | 1.2% | 100% | $302,500 | |
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A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 3 +3 HELOCs |
0.9% | 100% | $115,000 | |
First Community Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
0.9% | 75% | $118,333 | |
Newrez LLC
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Conventional, VA | 3 | 0.9% | 75% | $208,333 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 3 | 0.9% | 40% | $55,000 | View |
Flat Branch Mortgage, Inc.
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Conventional, FHA | 3 | 0.9% | 100% | $258,333 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 3 | 0.9% | 100% | $235,000 | View |
Amerisave Mortgage Company
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FHA | 2 | 0.6% | 66.7% | $115,000 | |
Das Acquisition Company, LLC
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Conventional | 2 | 0.6% | 66.7% | $145,000 | |
Arsenal Credit Union
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Conventional | 2 | 0.6% | 100% | $155,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.6% | 100% | $505,000 | View |
Nations Direct Mortgage, LLC
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Conventional, VA | 2 | 0.6% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 2 | 0.6% | 100% | $65,000 | View |
21St Mortgage
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Conventional | 2 | 0.6% | 33.3% | $45,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 2 | 0.6% | 100% | $205,000 | |
Village Capital & Investment
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VA | 2 | 0.6% | 75% | $255,000 | |
RANLife, Inc.
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FHA | 1 | 0.3% | 100% | $325,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $515,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.3% | 100% | $255,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.3% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
AdvantageFirst Lending Inc
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VA | 1 | 0.3% | 100% | $235,000 | |
First State Bank of St Charles
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Thompson Kane & Company, Inc
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VA | 1 | 0.3% | 100% | $285,000 | |
Nqm Funding, LLC
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VA | 1 | 0.3% | 100% | $385,000 | |
Frontier Financial, Inc. DBA Frontier Mortgage
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $55,000 | |
Family Finance Mortgage LLC
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FHA | 1 | 0.3% | 100% | $365,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.3% | 100% | $15,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 50% | $135,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $175,000 | View |
First Option Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.3% | 100% | $315,000 | |
Nations Lending Corporation
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VA | 1 | 0.3% | 100% | $345,000 | |
Waterstone Mortgage Corporation
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VA | 1 | 0.3% | 100% | $355,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $75,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 0.3% | 100% | $275,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $55,000 | |
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A-5.0 ★Texas Ratio: 14.33% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.3% | 100% | $455,000 | |
Lower, LLC
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Conventional | 1 | 0.3% | 50% | $345,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
VA | 1 | 0.3% | 100% | $305,000 | View |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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A5.0 ★Texas Ratio: 12.35% |
Conventional | 1 | 0.3% | 25% | $205,000 | View |
Leaderone Financial Corp.
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Conventional | 1 | 0.3% | 100% | $195,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Swansea 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 Swansea, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Swansea? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Swansea in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Swansea, IL
Use these to narrow the list above. Each category shows how many Swansea, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Swansea, IL
Independent mortgage companies closed 64 percent of home loans in Swansea, Illinois in 2025, banks 29.2 percent and credit unions 6.7 percent. Guaranteed Rate, Inc. was the largest mortgage company, Fcb Banks the largest bank and Scott Credit Union the largest credit union. Among lenders headquartered in Illinois, Fcb Banks led with 20 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 Swansea, IL
By home loans closed in 2025, Fcb Banks was the largest mortgage lender in Swansea, Illinois with 20 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Swansea, Illinois in 2025, led by United Wholesale Mortgage with 6. 36 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. 41 banks and 10 credit unions closed home loans in Swansea, Illinois in 2025, alongside 52 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 Swansea, 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 Swansea, 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 Swansea. 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.
