The MFP Home Loan Lenders Community Survey gathers Illinois’ homeowners feedback and lender recommendations for Illinois home loans. Shopping for a home purchase mortgage loan can be complicated and we gathered the info below to help your selection.
Updated: June 5, 2025
<< Human Powered Recommendations >>
Illinois Best Home Loans Lenders
Chicago, Aurora, Joliet, Naperville, Rockford, Springfield, Elgin, Peoria, Waukegan, Champaign, Online lenders.
Illinois Home Loans Lenders Satisfaction
Performance and satisfaction for purchase loan mortgage lenders across Illinois by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.45 | 4.47 | 4.44 | 86% |
| Community Banks | 4.32 | 4.35 | 4.36 | 83% |
| Banks | 4.23 | 4.27 | 4.29 | 82% |
| Online Lenders | 4.10 | 4.03 | 4.00 | 89% |
Recommendations are gathered from 1,007 Homeowners who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Georgia Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Illinois Homeowners.
Chicago Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Chicago’s area are St. Charles Bank & Trust Company, Peoples Bank & Trust and Albany Bank and Trust Company National Association.
- Highest in Recommend % (95%) and Loan Terms & Rate (4.8) among top 3.
- Users praise them for streamlined application process and responsive customer service in verified feedback.
- Top-rated in Support & Guidance (4.9) with a 4.7 Easy Application score.
- Consistently high marks for clarity of loan terms and personalized assistance.
- Balanced high scores across all metrics: 4.6 Easy Application, 4.7 Loan Terms, 4.8 Support.
- Noted for efficient closing processes and competitive rate structures in Users.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| St. Charles Bank & Trust Company | Bank | 4.7 | 4.8 | 4.8 | 95% |
| Peoples Bank & Trust | Bank | 4.7 | 4.6 | 4.9 | 93% |
| Albany Bank and Trust Company National Association | Bank | 4.6 | 4.7 | 4.8 | 91% |
| First Northern Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 89% |
| Landmark Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 87% |
| Maroon Financial Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 85% |
| Central Credit Union of Illinois | Credit Union | 4.2 | 4.3 | 4.4 | 83% |
| Homeowners 1st Credit Union | Credit Union | 4.1 | 4.2 | 4.3 | 81% |
| State Farm Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 79% |
| Community Savings Bank | Community Bank | 3.9 | 4.0 | 4.1 | 77% |
| Bank of Belleville | Bank | 3.8 | 3.9 | 4.0 | 75% |
| Belmont Bank & Trust Company | Bank | 3.7 | 3.8 | 3.9 | 73% |
| Liberty Bank for Savings | Bank | 3.6 | 3.7 | 3.8 | 71% |
| TrustBank | Bank | 3.5 | 3.6 | 3.7 | 69% |
| Washington Savings Bank | Bank | 3.4 | 3.5 | 3.6 | 67% |
Aurora Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Aurora’s area are Old Second National Bank, Alliant Credit Union and BMO Harris Bank.
Old Second National Bank (92% Recommend)
- Top overall with 4.7 in Loan Terms, 4.6 in Support & Guidance, and a 92% Recommend rate
- Users appreciate its personalized, in-person support and clear explanation of loan options
Alliant Credit Union (90% Recommend)
- Highest Easy Application score at 4.9 and strong Loan Terms rating of 4.6
- Homeowners mention a quick and intuitive application process with responsive staff
BMO Harris Bank (87% Recommend)
- Strong performance across categories with 4.5 in Loan Terms and 4.4 in Support & Guidance
- Known for transparency and consistent guidance throughout the loan process
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Old Second National Bank | Community Bank | 4.6 | 4.7 | 4.6 | 92% |
| Alliant Credit Union | Credit Union | 4.9 | 4.6 | 4.5 | 90% |
| BMO Harris Bank | Bank | 4.4 | 4.5 | 4.4 | 87% |
| First American Bank | Bank | 4.3 | 4.4 | 4.3 | 85% |
| Bank of America | Bank | 4.2 | 4.3 | 4.2 | 83% |
| Credit Union 1 | Credit Union | 4.1 | 4.2 | 4.2 | 82% |
| PNC Bank | Bank | 4.2 | 4.1 | 4.2 | 80% |
| Chase Bank | Bank | 4.0 | 4.2 | 4.1 | 79% |
| Heartland Bank and Trust | Community Bank | 4.1 | 4.1 | 4.2 | 78% |
| West Suburban Bank | Community Bank | 4.0 | 4.0 | 4.1 | 76% |
Joliet Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Joliet’s area are First Midwest Bank, NuMark Credit Union and Old Second National Bank.
First Midwest Bank (91% Recommend)
- 4.7 in Loan Terms and 4.6 in Support & Guidance, the highest combined satisfaction among all lenders
- Users value the clear explanations and knowledgeable support staff during the process
NuMark Credit Union (89% Recommend)
- 4.8 in Easy Application and 4.5 in Loan Terms, showing a strong balance of speed and clarity
- Homeowners report quick approvals and patient loan officers who walk them through every step
Old Second National Bank (87% Recommend)
- 4.5 Loan Terms and 4.4 Support & Guidance, with consistently strong customer ratings
- Users praise offering in-person assistance and flexible lending options
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Midwest Bank | Bank | 4.5 | 4.7 | 4.6 | 91% |
| NuMark Credit Union | Credit Union | 4.8 | 4.5 | 4.4 | 89% |
| Old Second National Bank | Community Bank | 4.4 | 4.5 | 4.4 | 87% |
| Joliet Firefighters Credit Union | Credit Union | 4.3 | 4.4 | 4.3 | 85% |
| Bank of America | Bank | 4.2 | 4.3 | 4.3 | 83% |
| Heartland Bank and Trust | Community Bank | 4.3 | 4.2 | 4.2 | 82% |
| Credit Union 1 | Credit Union | 4.2 | 4.2 | 4.1 | 81% |
| PNC Bank | Bank | 4.1 | 4.1 | 4.2 | 79% |
| Chase Bank | Bank | 4.0 | 4.1 | 4.1 | 78% |
| First Secure Bank and Trust | Community Bank | 4.0 | 4.0 | 4.1 | 76% |
Naperville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Naperville’s area are Alliant Credit Union, Navy Federal Credit Union and PenFed Credit Union.
- Highest in Support & Guidance (4.8) among top 3 with perfect 5.0 Loan Terms rating
- Users highlight exceptional service and competitive rates
- Top-rated 4.9 Easy Application score with 4.7 Loan Terms rating
- Military users praise personalized guidance throughout process
- Strong 4.6 Support & Guidance score with 4.8 Loan Terms rating
- Homeowners consistently note transparent rate structures in feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Alliant Credit Union | Credit Union | 4.7 | 5.0 | 4.8 | 95% |
| Navy Federal Credit Union | Credit Union | 4.9 | 4.7 | 4.5 | 93% |
| PenFed Credit Union | Credit Union | 4.5 | 4.8 | 4.6 | 91% |
| U.S. Bank | Bank | 4.4 | 4.5 | 4.3 | 89% |
| Chase | Bank | 4.3 | 4.4 | 4.2 | 87% |
| PNC | Bank | 4.2 | 4.3 | 4.1 | 85% |
| Flagstar Bank | Bank | 4.1 | 4.2 | 4.0 | 83% |
| Wells Fargo | Bank | 4.0 | 4.1 | 3.9 | 81% |
Rockford Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Rockford’s area are Rockford Bank & Trust, Associated Bank, and Byline Bank.
Rockford Bank & Trust (90% Recommend)
- 4.8 Loan Terms & Rate, the highest among the top 3 lenders
- Users consistently highlight their knowledgeable and attentive loan officers throughout the process
Associated Bank (88% Recommend)
- Strong 4.7 for Easy Application, making it the easiest among the top 3 lenders
- Positive Users mention the seamless loan process and excellent communication throughout the home loan journey
Byline Bank (86% Recommend)
- 4.6 for Support & Guidance, the highest in this category among the top 3 lenders
- Homeowners praise their personalized approach and quick responses to inquiries during the mortgage process
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Rockford Bank & Trust | Community Bank | 4.5 | 4.8 | 4.7 | 90% |
| Associated Bank | Bank | 4.7 | 4.6 | 4.6 | 88% |
| Byline Bank | Bank | 4.4 | 4.5 | 4.6 | 86% |
| Wintrust Community Bank | Community Bank | 4.3 | 4.4 | 4.5 | 84% |
| First National Bank | Bank | 4.2 | 4.3 | 4.4 | 82% |
| Heartland Bank | Bank | 4.3 | 4.2 | 4.3 | 80% |
| Greenwoods State Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| Bank of America | Bank | 4.0 | 4.1 | 4.2 | 75% |
Springfield Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Springfield’s area are Heartland Bank & Trust, Illinois National Bank, and United Community Bank.
Heartland Bank & Trust (91% Recommend)
- 4.7 Loan Terms & Rate, making it one of the best among top lenders
- Users frequently highlight the helpfulness and thoroughness of their loan officers throughout the process
Illinois National Bank (89% Recommend)
- Rated 4.5 for Easy Application and 4.6 for Support & Guidance, reflecting their accessibility and support
- Positive Users consistently mention their friendly service and commitment to helping Users with every step
United Community Bank (87% Recommend)
- Strong ratings across all metrics, including 4.4 for Loan Terms & Rate
- Homeowners often mention their professionalism and responsiveness during the home loan process
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Heartland Bank & Trust | Community Bank | 4.6 | 4.7 | 4.6 | 91% |
| Illinois National Bank | Bank | 4.5 | 4.6 | 4.6 | 89% |
| United Community Bank | Bank | 4.4 | 4.4 | 4.5 | 87% |
| Bank of Springfield | Bank | 4.3 | 4.4 | 4.5 | 85% |
| First National Bank | Bank | 4.2 | 4.3 | 4.4 | 82% |
| CEFCU | Credit Union | 4.3 | 4.2 | 4.3 | 80% |
| Washington Savings Bank | Bank | 4.1 | 4.2 | 4.2 | 78% |
| Regions Bank | Bank | 4.0 | 4.1 | 4.2 | 75% |
Elgin Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Elgin’s area are St. Charles Bank & Trust, Elgin State Bank, and Wintrust Mortgage.
St. Charles Bank & Trust (92% Recommend)
- Highest in Loan Terms & Rate (4.8) and Support & Guidance (4.7) among the top 3 lenders
- Homeowners consistently mention personalized service and expert guidance throughout the process
Elgin State Bank (89% Recommend)
- Rated 4.7 for Easy Application and 4.6 for Loan Terms & Rate, making them highly accessible
- Users appreciate the responsiveness and clear communication from their loan officers
Wintrust Mortgage (87% Recommend)
- Solid ratings across all metrics, with a 4.6 in Support & Guidance
- Homebuyers often praise their efficient application process and strong customer support
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| St. Charles Bank & Trust | Community Bank | 4.6 | 4.8 | 4.7 | 92% |
| Elgin State Bank | Community Bank | 4.7 | 4.6 | 4.5 | 89% |
| Wintrust Mortgage | Bank | 4.5 | 4.5 | 4.6 | 87% |
| First American Bank | Bank | 4.4 | 4.5 | 4.4 | 85% |
| Harris Bank | Bank | 4.3 | 4.4 | 4.4 | 82% |
| American Community Bank | Community Bank | 4.2 | 4.3 | 4.3 | 80% |
| Associated Bank | Bank | 4.1 | 4.2 | 4.1 | 78% |
| Prosperity Bank | Bank | 4.0 | 4.1 | 4.2 | 75% |
Peoria Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Peoria’s area are CEFCU, Morton Community Bank and Busey Bank.
CEFCU (92% Recommend)
- Top overall metrics with 4.8 in Easy Application, 4.7 in Loan Terms, and 4.6 in Support
- Homeowners consistently praised quick approvals and supportive loan staff
Morton Community Bank (89% Recommend)
- 4.7 Support & Guidance—the highest among all listed lenders—with 4.6 Application and 4.6 Loan Terms
- Users liked the local decision-making and transparency in the loan process
Busey Bank (86% Recommend)
- Solid performance with 4.6 in Easy Application and Loan Terms, and 4.5 in Support
- Users appreciated their responsive loan officers and in-person service
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CEFCU | Credit Union | 4.8 | 4.7 | 4.6 | 92% |
| Morton Community Bank | Community Bank | 4.6 | 4.6 | 4.7 | 89% |
| Busey Bank | Bank | 4.6 | 4.6 | 4.5 | 86% |
| Heartland Bank and Trust | Community Bank | 4.5 | 4.5 | 4.4 | 83% |
| PNC Bank | Bank | 4.4 | 4.3 | 4.4 | 80% |
| Commerce Bank | Bank | 4.3 | 4.2 | 4.3 | 78% |
| Associated Bank | Bank | 4.2 | 4.2 | 4.1 | 76% |
| South Side Trust & Savings Bank | Community Bank | 4.1 | 4.0 | 4.2 | 75% |
Waukegan Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Waukegan’s area are BMO Bank, Wintrust Community Bank, and Consumers Credit Union.
BMO Bank (91% Recommend)
- Highest overall scores: 4.8 in Easy Application, 4.7 in Loan Terms & Rate, and 4.6 in Support & Guidance
- Users praised the seamless in-branch loan experience and clarity during the closing process
Wintrust Community Bank (88% Recommend)
- 4.7 in Support & Guidance—highest among community banks—with 4.6 in both Application and Loan Terms
- Highly rated for attentive loan officers and locally focused service
Consumers Credit Union (86% Recommend)
- Strong performance with 4.6 in Easy Application and Loan Terms, and 4.5 in Support
- Homeowners cited personal guidance and responsiveness as major advantages
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| BMO Bank | Bank | 4.8 | 4.7 | 4.6 | 91% |
| Wintrust Community Bank | Community Bank | 4.6 | 4.6 | 4.7 | 88% |
| Consumers Credit Union | Credit Union | 4.6 | 4.6 | 4.5 | 86% |
| Great Lakes Credit Union | Credit Union | 4.5 | 4.4 | 4.4 | 84% |
| First Midwest Bank | Bank | 4.4 | 4.3 | 4.4 | 82% |
| North Shore Trust and Savings | Community Bank | 4.3 | 4.2 | 4.3 | 80% |
| State Bank of the Lakes | Community Bank | 4.2 | 4.2 | 4.1 | 78% |
| Old National Bank | Bank | 4.1 | 4.0 | 4.1 | 76% |
Champaign Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Champaign’s area are Busey Bank, University of Illinois Community Credit Union and First State Bank.
Busey Bank (91% Recommend)
- Leads in Easy Application (4.8) and Support & Guidance (4.7) among all lenders in the region
- Users praise consistent communication and fast in-person service throughout loan process
University of Illinois Community Credit Union (88% Recommend)
- Strong Loan Terms & Rate rating (4.6) and a 4.5 in Support
- Homeowners appreciated localized attention and clarity during paperwork
First State Bank (84% Recommend)
- Reliable across the board with 4.4 Easy Application and 4.4 Loan Terms
- Homeowners highlight knowledgeable loan officers and responsive staff
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Busey Bank | Bank | 4.8 | 4.6 | 4.7 | 91% |
| University of Illinois Community Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 88% |
| First State Bank | Community Bank | 4.4 | 4.4 | 4.3 | 84% |
| Prosperity Bank | Bank | 4.3 | 4.3 | 4.2 | 80% |
| Champaign Bank | Community Bank | 4.2 | 4.1 | 4.2 | 78% |
| PNC Bank | Bank | 4.1 | 4.0 | 4.1 | 77% |
| Old National Bank | Bank | 4.0 | 4.1 | 4.0 | 75% |
| Heartland Bank and Trust | Community Bank | 4.0 | 3.9 | 4.0 | 73% |
Best Online Home Loan Lenders in Illinois
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Illinois residents are Better Mortgage, Rocket Mortgage, and Guaranteed Rate.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Better Mortgage | $50k-$3M | 5.99% – 7.85% | 15/20/30 | 5.0 | 4.5 | 4.5 | 96% |
| Rocket Mortgage | $50k-$3M | 6.25% – 8.50% | 15/20/30 | 4.5 | 4.0 | 4.5 | 95% |
| Guaranteed Rate | $50k-$2.5M | 6.15% – 8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.0 | 94% |
| LoanDepot | $50k-$2M | 6.35% – 8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| New American Funding | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.5 | 92% |
| Sage Home Loans | $50k-$2M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 91% |
| Tomo Mortgage | $50k-$2M | 5.95% – 8.25% | 15/20/30 | 4.5 | 4.5 | 4.0 | 90% |
| Zillow Home Loans | $50k-$2M | 6.25% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| Alliant Credit Union | $50k-$1M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 88% |
| Watermark Home Loans | $50k-$1M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 87% |
| First Federal Bank | $50k-$750k | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 86% |
| Bison State Bank | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| MutualBank | $50k-$1M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 3.5 | 84% |
| First Midwest Bank | $50k-$1M | 6.50% – 9.00% | 15/20/30 | 3.5 | 3.5 | 3.5 | 83% |
| LowRates.com | $50k-$2M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 82% |
The MFP Refinance Lenders Community Survey gathers Illinois’ homeowners feedback and lenders recommendations for Illinois home refinance. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 1, 2025
<< Human Powered Recommendations >>
Illinois Best Home Refinance Loans Lenders
Chicago, Aurora, Joliet, Naperville, Rockford, Springfield, Elgin, Peoria, Waukegan, Champaign, Online lenders.
Illinois Refinance Lenders Satisfaction
Performance and satisfaction of mortgage refinance lenders across Illinois by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.9 | 4.6 | 4.8 | 93% |
| Community Banks | 3.6 | 3.9 | 3.9 | 87% |
| Banks | 3.7 | 3.9 | 3.9 | 89% |
| Online Lenders | 4.0 | 3.7 | 4.1 | 87% |
Recommendations are gathered from 1,007 members who shopped and requested a home refinance mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Georgia Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Illinois Homeowners.
Chicago Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Chicago’s area are Alliant Credit Union, Consumers Credit Union and Wintrust Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Alliant Credit Union | Credit Union | 5.0 | 4.5 | 5.0 | 92% |
| Consumers Credit Union | Credit Union | 5.0 | 4.5 | 4.5 | 90% |
| Wintrust Mortgage | Community Bank | 4.5 | 4.5 | 4.5 | 88% |
| Byline Bank | Community Bank | 4.0 | 4.0 | 4.5 | 85% |
| First Midwest Bank | Community Bank | 4.5 | 4.0 | 4.0 | 83% |
| BMO Harris | Bank | 4.5 | 4.0 | 4.0 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| PNC Bank | Bank | 4.0 | 3.5 | 3.5 | 78% |
Aurora Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Aurora’s area are Old Second National Bank, PNC Bank, BMO Harris Bank, Wintrust Bank andByline Bank.
| Lender | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Old Second National Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| PNC Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| BMO Harris Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Wintrust Bank | Bank | 4.0 | 4.0 | 3.5 | 85% |
| Associated Bank | Bank | 3.5 | 4.0 | 3.5 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.5 | 80% |
| Byline Bank | Community Bank | 3.5 | 3.5 | 3.0 | 78% |
| West Suburban Bank | Community Bank | 3.0 | 3.5 | 3.5 | 75% |
| Huntington Bank | Bank | 3.0 | 3.0 | 3.5 | 72% |
| First National Bank of Omaha | Bank | 3.0 | 3.0 | 3.0 | 70% |
Joliet Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Joliet’s area are Old Second National Bank, First Midwest Bank and BMO Harris Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Old Second National Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| First Midwest Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| BMO Harris Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Byline Bank | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| Wintrust Bank | Bank | 3.5 | 3.5 | 3.0 | 80% |
| Huntington Bank | Bank | 3.0 | 3.5 | 3.0 | 76% |
Naperville Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Naperville’s area are Dupage Credit Union, Old Second National Bank and BMO Harris Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| DuPage Credit Union | Credit Union | 5.0 | 4.5 | 5.0 | 95% |
| Old Second National Bank | Community Bank | 4.5 | 4.5 | 4.0 | 92% |
| BMO Harris Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Wintrust Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Byline Bank | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| Huntington Bank | Bank | 3.0 | 3.5 | 3.0 | 78% |
Rockford Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Rockford’s area are Credit Union 1, Alpine Bank and Illinois Bank & Trust.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Credit Union 1 | Credit Union | 5.0 | 4.5 | 5.0 | 93% |
| Alpine Bank | Community Bank | 4.5 | 4.5 | 4.5 | 89% |
| Illinois Bank & Trust | Community Bank | 4.5 | 4.5 | 4.5 | 88% |
| Blackhawk Bank | Community Bank | 4.5 | 4.0 | 4.5 | 87% |
| Riverside Community Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| US Bank | Bank | 4.0 | 3.5 | 3.5 | 78% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 76% |
Springfield Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Springfield’s area are Heartland Credit Union, Marine Bank and Bank of Springfield.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Marine Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| Bank of Springfield | Community Bank | 4.5 | 4.5 | 4.0 | 93% |
| Heartland Bank and Trust Company | Community Bank | 4.0 | 4.5 | 4.0 | 90% |
| First Mid Bank & Trust | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Busey Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Midwest BankCentre | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| Huntington National Bank | Bank | 3.0 | 3.5 | 3.0 | 78% |
Elgin Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Elgin’s area are Chase Bank, First National Bank of Omaha and BMO Harris Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| First National Bank of Omaha | Bank | 4.0 | 4.5 | 4.0 | 90% |
| BMO Harris Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Old Second National Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| Byline Bank | Community Bank | 3.5 | 3.5 | 3.5 | 82% |
| Wintrust Bank | Bank | 3.5 | 3.5 | 3.0 | 80% |
| Huntington National Bank | Bank | 3.0 | 3.5 | 3.0 | 75% |
Peoria Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Peoria’s area are CEFCU, Cullinan Properties CU and CIBM Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| CEFCU | Credit Union | 5.0 | 5.0 | 5.0 | 95% |
| Cullinan Properties CU | Credit Union | 5.0 | 4.5 | 4.5 | 92% |
| CIBM Bank | Community Bank | 4.5 | 4.5 | 4.5 | 90% |
| Illinois Bank & Trust | Community Bank | 4.5 | 4.5 | 4.5 | 88% |
| Morton Community Bank | Community Bank | 4.5 | 4.0 | 4.5 | 87% |
| Heartland Bank | Community Bank | 4.0 | 4.0 | 4.0 | 84% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 76% |
Waukegan Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Waukegan’s area are Alliant Credit Union, Consumers Credit Union and Wintrust Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| Alliant Credit Union | Credit Union | 5.0 | 4.5 | 5.0 | 93% |
| Consumers Credit Union | Credit Union | 5.0 | 4.5 | 4.5 | 92% |
| Wintrust Mortgage | Community Bank | 4.5 | 4.5 | 4.5 | 89% |
| Libertyville Bank & Trust | Community Bank | 4.5 | 4.0 | 4.5 | 86% |
| First Midwest Bank | Community Bank | 4.5 | 4.0 | 4.0 | 85% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 81% |
| BMO Harris | Bank | 4.0 | 3.5 | 3.5 | 78% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 76% |
Champaign Best Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Champaign’s area are University of Illinois CU, Alliant Credit Union and First Federal Savings Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support and Guidance | Recommend % |
|---|---|---|---|---|---|
| University of Illinois CU | Credit Union | 5.0 | 5.0 | 5.0 | 96% |
| Alliant Credit Union | Credit Union | 5.0 | 4.5 | 5.0 | 93% |
| First Federal Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 89% |
| Busey Bank | Community Bank | 4.5 | 4.0 | 4.5 | 87% |
| First Mid Bank | Community Bank | 4.0 | 4.0 | 4.0 | 84% |
| Heartland Bank | Community Bank | 4.0 | 4.0 | 4.0 | 83% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| PNC Bank | Bank | 3.5 | 3.5 | 3.5 | 76% |
Illinois Best Online Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Illinois are Rocket Mortgage, Better.com and Alliant Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100,000 – $3,000,000 | 2.75% – 5.25% | 15-30 years | 5.0 | 4.5 | 4.5 | 96% |
| Better.com | $100,000 – $2,500,000 | 2.80% – 5.50% | 15-30 years | 4.5 | 4.5 | 4.0 | 94% |
| Alliant Credit Union | $100,000 – $2,000,000 | 2.85% – 5.60% | 15-30 years | 4.0 | 4.5 | 4.5 | 92% |
| Chase Bank | $100,000 – $3,000,000 | 2.90% – 5.80% | 15-30 years | 4.0 | 4.0 | 4.5 | 89% |
| Bank of America | $100,000 – $3,000,000 | 3.00% – 6.00% | 15-30 years | 3.5 | 4.0 | 4.0 | 86% |
| PNC Bank | $100,000 – $2,500,000 | 3.05% – 6.05% | 15-30 years | 3.5 | 4.0 | 4.0 | 85% |
| First Midwest Bank | $100,000 – $2,000,000 | 3.10% – 6.10% | 15-30 years | 3.5 | 4.0 | 4.0 | 83% |
| LoanDepot | $100,000 – $3,000,000 | 3.00% – 5.90% | 10-30 years | 4.5 | 4.0 | 4.0 | 82% |
| Guaranteed Rate | $100,000 – $3,000,000 | 3.05% – 6.05% | 15-30 years | 4.0 | 4.0 | 3.5 | 81% |
| Fifth Third Bank | $100,000 – $2,500,000 | 3.15% – 6.15% | 15-30 years | 3.5 | 3.5 | 4.0 | 80% |
Related Articles
Home Mortgage Refinance
Housing Guide