Mortgage Lenders and Brokers in Urbana, 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
Urbana, Illinois mortgage lenders include Busey BankBusey Bank2710 Philo Rd, Urbana, IL 61802A+5.0 ★Texas Ratio: 2.31%, First Federal Savings Bank of Champaign-UrbanaFirst Federal Savings Bank of Champaign-Urbana301 Springfield Ave, Urbana, IL 61801A+5.0 ★Texas Ratio: 0.40%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA405 N Broadway Ave, Urbana, IL 61801A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.507 S Broadway Ave, Urbana, IL 61801A+5.0 ★Texas Ratio: 4.24%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA601 S Vine St, Urbana, IL 61801A+5.0 ★Texas Ratio: 3.88%, First Financial Bank NAFirst Financial Bank NA2510 Philo Rd, Urbana, IL 61802A+5.0 ★Texas Ratio: 3.47%, Heartland Bank & Trust CompanyHeartland Bank & Trust Company602 S Vine St, Urbana, IL 61801A+5.0 ★Texas Ratio: 0.84%, University of Illinois Community Credit UnionUniversity of Illinois Community Credit Union206 E University Ave, Urbana, IL 61801 1794A+5.0 ★Texas Ratio: 4.34%, Midland States BankMidland States Bank951 Dixie Hwy, Beecher, IL 60401A5.0 ★Texas Ratio: 9.50%, and The Fisher National BankThe Fisher National Bank109 E Vermilion St, Catlin, IL 61817A5.0 ★Texas Ratio: 10.85%. 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 Urbana, Illinois in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Urbana 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 Urbana, Illinois
Market share is the lender's share of all home loans closed in Urbana, 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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2 offices in Urbana 2710 Philo Rd, Urbana, IL 61802 A+5.0 ★Texas Ratio: 2.31% |
Conventional, FHA, Jumbo, HELOC | 30 +14 HELOCs |
5.8% | 88.2% | $243,333 | View |
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1 office in Urbana 301 Springfield Ave, Urbana, IL 61801 A+5.0 ★Texas Ratio: 0.40% |
Conventional | 23 | 4.5% | 100% | $184,130 | View |
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1 office in Urbana 405 N Broadway Ave, Urbana, IL 61801 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA, HELOC | 13 +1 HELOCs |
2.5% | 100% | $172,692 | View |
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★ 1.7 stars, 3 reviews 1 office in Urbana 507 S Broadway Ave, Urbana, IL 61801 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 5 +11 HELOCs |
1% | 100% | $201,000 | View |
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1 office in Urbana 601 S Vine St, Urbana, IL 61801 A+5.0 ★Texas Ratio: 3.88% |
Conventional, HELOC | 5 +2 HELOCs |
1% | 62.5% | $175,000 | View |
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1 office in Urbana 2510 Philo Rd, Urbana, IL 61802 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 4 | 0.8% | 66.7% | $222,500 | View |
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1 office in Urbana 602 S Vine St, Urbana, IL 61801 A+5.0 ★Texas Ratio: 0.84% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $145,000 | View |
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206 E University Ave, Urbana, IL 61801 1794 A+5.0 ★Texas Ratio: 4.34% |
Conventional | 40 | 7.8% | 97.6% | $215,500 | View |
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951 Dixie Hwy, Beecher, IL 60401 A5.0 ★Texas Ratio: 9.50% |
Conventional, FHA, HELOC | 22 +2 HELOCs |
4.3% | 100% | $140,454 | View |
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109 E Vermilion St, Catlin, IL 61817 A5.0 ★Texas Ratio: 10.85% |
Conventional | 17 | 3.3% | 100% | $156,764 | View |
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202 W Park Ave, Champaign, IL 61820 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 12 | 2.3% | 100% | $119,166 | View |
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121 S Pennsylvania St, Chrisman, IL 61924 A5.0 ★Texas Ratio: 8.41% |
Conventional | 10 | 1.9% | 100% | $272,000 | View |
First State Mortgage Services
825 N Randall Rd, Batavia, IL 60510 |
Conventional, FHA, VA | 5 | 1% | 100% | $223,000 | |
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1101 Trinity Ln, Bloomington, IL 61704 A+5.0 ★Texas Ratio: 2.86% |
Conventional | 5 | 1% | 100% | $241,000 | View |
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209 S Main St, Albany, IL 61230 A+5.0 ★Texas Ratio: 5.85% |
Conventional, HELOC | 4 +2 HELOCs |
0.8% | 100% | $185,000 | View |
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1015 W Windsor Rd, Champaign, IL 61821 A5.0 ★Texas Ratio: 13.68% |
Conventional, FHA | 4 | 0.8% | 80% | $215,000 | View |
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915 8th Ave, Erie, IL 61250 B+4.8 ★Texas Ratio: 17.30% |
Conventional | 4 | 0.8% | 100% | $105,000 | View |
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2402 E Washington St, Bloomington, IL 61704 A5.0 ★Texas Ratio: 9.74% |
Conventional | 3 | 0.6% | 100% | $211,666 | View |
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2101 S Neil St, Champaign, IL 61820 A+5.0 ★Texas Ratio: 2.14% |
Conventional | 3 | 0.6% | 100% | $105,000 | View |
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540 W Lake St, Addison, IL 60101 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.4% | 66.7% | $105,000 | View |
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1408 Airport Rd, Bloomington, IL 61704 2566 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 0.4% | 100% | $260,000 | View |
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245 N Main St, Canton, IL 61520 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.4% | 66.7% | $260,000 | View |
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300 Washington St, Beardstown, IL 62618 A+5.0 ★Texas Ratio: 1.02% |
Conventional | 2 | 0.4% | 100% | $185,000 | View |
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550 N 2nd St, Breese, IL 62230 B+4.7 ★Texas Ratio: 18.69% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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2850 Homer M Adams Pkwy, Alton, IL 62002 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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12330 S Harlem Ave, Palos Heights, IL 60463 A+5.0 ★Texas Ratio: 3.55% |
FHA | 1 | 0.2% | 100% | $225,000 | View |
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1711 General Electric Rd, Bloomington, IL 61704 2286 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
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201 N Main St, Bridgeport, IL 62417 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
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111 N Canal St, Annawan, IL 61234 B4.7 ★Texas Ratio: 19.21% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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10 W Ashmore St, Ashmore, IL 61912 B+4.1 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.2% | 50% | $65,000 | View |
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26 Farragut Avenue, Great Lakes, IL 60088 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.2% | 100% | $145,000 | View |
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1747 W North Ave, Chicago, IL 60622 A5.0 ★Texas Ratio: 8.69% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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1100 13th Ave, East Moline, IL 61244 1455 A+5.0 ★Texas Ratio: 5.75% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
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15w060 N Frontage Rd, Burr Ridge, IL 60527 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
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509 S 4th St, Chatsworth, IL 60921 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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777 W Army Trail Blvd, Addison, IL 60101 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Iroquois Federal Savings & Loan Association
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Conventional | 17 | 3.3% | 90.5% | $167,941 | |
Mutual of Omaha Mortgage
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Conventional | 4 | 0.8% | 100% | $182,500 | |
Citizens Equity First Credit U
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $195,000 | |
The Gifford State Bank
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Conventional | 2 | 0.4% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.4% | 100% | $265,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Compass Mortgage, Inc.
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FHA | 1 | 0.2% | 100% | $375,000 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 63 +2 HELOCs |
12.2% | 92.6% | $169,920 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, VA | 35 | 6.8% | 97.2% | $184,714 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 5.4% | 77.8% | $127,857 | |
Primelending
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Conventional, VA | 19 | 3.7% | 90.5% | $256,052 | |
Point Mortgage Corp
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Conventional, FHA, VA | 15 | 2.9% | 100% | $209,666 | |
Mortgage Research Center
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Conventional, VA | 9 | 1.7% | 75% | $303,888 | |
United Wholesale Mortgage
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Conventional, FHA | 8 | 1.6% | 69.2% | $215,000 | |
21St Mortgage
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Conventional | 6 | 1.2% | 26.1% | $50,000 | |
Newrez LLC
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Conventional, FHA, VA | 4 | 0.8% | 80% | $315,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 0.8% | 66.7% | $102,500 | |
Synergy One Lending, Inc.
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Conventional, FHA | 4 | 0.8% | 80% | $182,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 0.8% | 80% | $272,500 | |
Guild Mortgage Company
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Conventional | 3 | 0.6% | 100% | $278,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 66.7% | $285,000 | |
TruHome Solutions, LLC
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FHA | 2 | 0.4% | 100% | $165,000 | |
Discover Bank
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Conventional | 2 | 0.4% | 50% | $75,000 | |
Provident Funding Associates
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Conventional | 2 | 0.4% | 100% | $400,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 50% | $270,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 100% | $340,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.4% | 100% | $120,000 | |
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A5.0 ★Texas Ratio: 12.35% |
FHA | 2 | 0.4% | 50% | $175,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $35,000 | |
Uw Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $55,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $305,000 | |
Zippy Loans, LLC
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Conventional | 1 | 0.2% | 100% | $15,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.2% | 100% | $205,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $585,000 | |
Envoy Mortgage, Ltd
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VA | 1 | 0.2% | 100% | $255,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Fair Way Lending, LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $85,000 | View |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.2% | 100% | $345,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
HomeBridge Financial Services, Inc
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VA | 1 | 0.2% | 100% | $465,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
New Day Financial, LLC.
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VA | 1 | 0.2% | 50% | $145,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 33.3% | $105,000 | View |
Credence Funding Corporation
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VA | 1 | 0.2% | 100% | $345,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Direct Mortgage Loans, LLC
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FHA | 1 | 0.2% | 100% | $175,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
Lake Michigan Credit Union
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $25,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Uif Corporation
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Conventional | 1 | 0.2% | 100% | $225,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
Veritas Funding, LLC
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VA | 1 | 0.2% | 100% | $175,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 33.3% | $85,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Thrivent Bank
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Conventional | 1 | 0.2% | 100% | $45,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.2% | 100% | $145,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.2% | 100% | $125,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a |
Urbana 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 Urbana, Illinois
Looking for mortgage lenders near me or mortgage brokers near me in Urbana? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Urbana in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Urbana, IL
Use these to narrow the list above. Each category shows how many Urbana, IL lenders fit and what that kind of lender is usually best for.
Who Lends in Urbana, IL
Independent mortgage companies closed 43.8 percent of home loans in Urbana, Illinois in 2025, banks 45.9 percent and credit unions 10.3 percent. Mutual of Omaha Mortgage was the largest mortgage company, Busey Bank the largest bank and University of Illinois Community Credit Union the largest credit union. Among lenders headquartered in Illinois, Busey Bank led with 30 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 Urbana, IL
By home loans closed in 2025, Busey Bank was the largest mortgage lender in Urbana, Illinois with 30 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Urbana, Illinois, New American Funding, LLC. approved the highest share of completed applications in 2025 at 92.6 percent, against a 87.7 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.
24 lenders closed FHA loans in Urbana, Illinois in 2025, led by New American Funding, LLC. with 10. 16 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. 48 banks and 9 credit unions closed home loans in Urbana, Illinois in 2025, alongside 49 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 Urbana, 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 Urbana, 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 Urbana. 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.
