Grundy County, IL Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 2,456 mortgage applications in Grundy County, IL totaling $479.7 million, down 44% from 2021. The average application was for $195,000, and applicants reported an average income of $104,000. 58% of applications resulted in an originated loan and 12% were denied. The most active lender was Grundy Bank, with 183 applications, followed by Guaranteed Rate, Inc. and Old National Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,456 |
| Total Mortgage Loan Application Amount | $479,690,000 |
| Average Mortgage Loan Application Amount | $195,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $2,349,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Grundy Bank 201 LIBERTY STREET MORRIS, IL 60450 |
* | $ 371,782,000 | 183 | $ 31,095,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 143 | $ 29,445,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 113 | $ 14,305,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 88 | $ 18,640,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 86 | $ 16,530,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 12,827,680,000 | 78 | $ 16,930,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 59 | $ 4,635,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 55 | $ 8,525,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 53 | $ 11,555,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 48 | $ 10,040,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 40 | $ 8,150,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 38 | $ 8,810,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 36 | $ 8,320,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 36 | $ 2,640,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 35 | $ 8,305,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 33 | $ 7,075,000 |
| Osb Community Bank 925 LASALLE STREET OTTAWA, IL 61350 |
* | $ 342,532,000 | 33 | $ 6,625,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 30 | $ 6,770,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 29 | $ 5,925,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 28 | $ 6,020,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 28 | $ 4,920,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 26 | $ 4,730,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 26 | $ 4,900,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 26 | $ 5,240,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 24 | $ 5,470,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 23 | $ 6,795,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 22 | $ 3,960,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 7,434,242,000 | 22 | $ 3,150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 22 | $ 4,450,000 |
| Financial Plus Credit Union 800 CHESTNUT ST OTTAWA, IL 61350 |
* | $ 450,241,000 | 21 | $ 3,345,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 17,757,753,000 | 21 | $ 4,695,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 20 | $ 4,090,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 20 | $ 3,210,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 18 | $ 4,240,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 17 | $ 4,745,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ -1,000 | 17 | $ 4,265,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 16 | $ 3,570,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 15 | $ 845,000 |
| Mutual Federal Bank 2212 CERMAK ROAD CHICAGO, IL 60608 |
* | $ 92,759,000 | 15 | $ 3,215,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 15 | $ 4,395,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 15 | $ 3,495,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 14 | $ 2,980,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ -1,000 | 13 | $ 3,215,000 |
| First Federal Savings Bank 633 LASALLE ST OTTAWA, IL 61350 |
* | $ 368,810,000 | 13 | $ 2,085,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 13 | $ 3,015,000 |
| Streator Onized Credit Union 120 E NORTHPOINT DR STREATOR, IL 61364 |
* | $ 322,869,000 | 13 | $ 1,055,000 |
| Bank of Pontiac 300 W WASHINGTON ST PONTIAC, IL 61764 |
* | $ 963,923,000 | 12 | $ 3,150,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 12 | $ 1,200,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 12 | $ 2,940,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 12 | $ 2,920,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 11 | $ 3,305,000 |
| Key Mortgage Services, Inc. 475 N. MARTINGALE RD. SUITE 100 SCHAUMBURG, IL 60173 |
* | $ -1,000 | 11 | $ 2,655,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ 6,111,597,000 | 11 | $ 985,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 2,065,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 10 | $ 2,500,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 10 | $ 1,540,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 10 | $ 2,720,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 10 | $ 2,210,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 9 | $ 2,065,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 9 | $ 2,615,000 |
| American Commercial Bank & Trust, National Association 701 LASALLE ST OTTAWA, IL 61350 |
* | $ 968,197,000 | 9 | $ 1,805,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 9 | $ 1,555,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 8 | $ 500,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 340,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 8 | $ 1,460,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 4,311,088,000 | 8 | $ 1,300,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 7 | $ 1,795,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 9,011,033,000 | 7 | $ 1,165,000 |
| Pacor Mortgage Corp 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ -1,000 | 7 | $ 1,275,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 935,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 7 | $ 1,755,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 7 | $ 1,285,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 7 | $ 1,375,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 6 | $ 3,940,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 6 | $ 1,780,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 6 | $ 1,730,000 |
| Parlay Mortgage & Property, Inc. 16612 W 159TH STREET SUITE 201 ADDISON, IL 60441 |
* | $ -1,000 | 6 | $ 1,390,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 1,401,610,000 | 6 | $ 3,860,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 480,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 6 | $ 1,940,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,281,203,000 | 6 | $ 1,090,000 |
| First Northern Credit Union 230 W MONROE, SUITE 2850 CHICAGO, IL 60606 |
* | $ 376,791,000 | 6 | $ 790,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 6 | $ 1,320,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 6 | $ 770,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 6 | $ 930,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ 48,488,487,000 | 5 | $ 1,185,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 5 | $ 835,000 |
| Blueleaf Lending, LLC 112 S SANGAMON STREET 2ND FLOOR CHICAGO, IL 60607 |
* | $ -1,000 | 5 | $ 2,285,000 |
| American Fidelity Mortgage Services, Inc. WHEATON, IL 60189 |
* | $ -1,000 | 5 | $ 1,655,000 |
| Proper Rate, LLC 1800 W LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,075,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 5 | $ 855,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 5 | $ 985,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 985,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 690,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 4 | $ 1,030,000 |
| Dupage Credit Union P. O. BOX 3930 NAPERVILLE, IL 60563 |
* | $ 557,277,000 | 4 | $ 520,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 1,040,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,618,578,000 | 4 | $ 750,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 4 | $ 540,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 4 | $ 440,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 4 | $ 800,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 810,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 4 | $ 900,000 |
| The Anderson Financial Group, Inc. 2421 NORTH ASHLAND AVENUE CHICAGO, IL 60614 |
* | $ -1,000 | 4 | $ 900,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 4 | $ 70,000 |
| Marquette Bank 6316 S WESTERN AVE CHICAGO, IL 60636 |
* | $ 2,020,608,000 | 4 | $ 950,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 3 | $ 825,000 |
| Crown Mortgage Company 6141 W. 95TH STREET OAK LAWN, IL 60453 |
* | $ -1,000 | 3 | $ 785,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 3 | $ 465,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 3 | $ 795,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 775,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 475,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 715,000 |
| Great Lakes Credit Union 2525 GREEN BAY BANNOCKBURN, IL 60015 |
* | $ 1,049,730,000 | 3 | $ 255,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 3 | $ 595,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 3 | $ 815,000 |
| A&N Mortgage Services, Inc. 901 S 2ND ST STE #201 SPRINGFIELD, IL 62704 |
* | $ -1,000 | 3 | $ 815,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 3 | $ 385,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 3 | $ 515,000 |
| Eureka Savings Bank 250 MARQUETTE ST LA SALLE, IL 61301 |
* | $ -1,000 | 3 | $ 445,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 505,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 15,151,012,000 | 3 | $ 315,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ 6,214,413,000 | 3 | $ 615,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,120,189,000 | 2 | $ 110,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,244,199,000 | 2 | $ 860,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 370,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 35,057,609,000 | 2 | $ 320,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ 1,226,789,000 | 2 | $ 650,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 2 | $ 450,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 420,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 2 | $ 100,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 470,520,000 | 2 | $ 30,000 |
| Accunet Mortgage LLC 13000 W SILVER SPRING DR. WAUKESHA, WI 53188 |
* | $ -1,000 | 2 | $ 370,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 7,713,957,000 | 2 | $ 250,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 2 | $ 270,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 720,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 2 | $ 440,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 280,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 331,935,000 | 2 | $ 220,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 590,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 330,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 2 | $ 320,000 |
| Merchants and Manufacturers Ba 601 E CASS STREET JOLIET, IL 60432 |
* | $ 360,039,000 | 2 | $ 400,000 |
| Waterstone Bank SSB 11200 WEST PLANK COURT WAUWATOSA, WI 53226 |
* | $ 2,209,533,000 | 2 | $ 680,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 2 | $ 290,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 290,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 2 | $ 520,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 2 | $ 660,000 |
| United Home Loans, Inc. 1023 BURLINGTON AVE WESTERN SPRINGS, IL 60558 |
* | $ -1,000 | 2 | $ 420,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,072,223,000 | 2 | $ 240,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 15,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 115,000 |
| Old Plank Trail Community Bank, N.A. 280 VETERANS PARKWAY NEW LENOX, IL 60451 |
* | $ 2,147,323,000 | 1 | $ 425,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 1,063,621,000 | 1 | $ 245,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 95,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 335,000 |
| Self Help Federal Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,788,208,000 | 1 | $ 145,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ -1,000 | 1 | $ 45,000 |
| Cake Mortgage Corp. 9200 OAKDALE AVE STE 501 CHATSWORTH, CA 91311 |
* | $ -1,000 | 1 | $ 235,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 165,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 225,552,000 | 1 | $ 145,000 |
| Hometown National Bank 260 BUCKLIN STREET LA SALLE, IL 61301 |
* | $ 318,094,000 | 1 | $ 265,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 195,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 245,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,341,481,000 | 1 | $ 65,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 15,019,689,000 | 1 | $ 285,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 15,742,039,000 | 1 | $ 55,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 1 | $ 405,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ -1,000 | 1 | $ 195,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 175,000 |
| Illinois Community Credit Unio 508 W STATE STREET SYCAMORE, IL 60178 |
* | $ 112,465,000 | 1 | $ 55,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 1 | $ 155,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ -1,000 | 1 | $ 255,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 315,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 185,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 4,830,582,000 | 1 | $ 65,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 295,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 637,122,000 | 1 | $ 105,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 9,203,588,000 | 1 | $ 155,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ -1,000 | 1 | $ 185,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 165,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Loanflight Lending, Llc. 201 N FRANKLIN ST STE 3440 TAMPA, FL 33634 |
* | $ -1,000 | 1 | $ 335,000 |
| Municipal Trust and Savings Bank PO BOX 146 BOURBONNAIS, IL 60914 |
* | $ 356,550,000 | 1 | $ 195,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 420,502,000,000 | 1 | $ 105,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ -1,000 | 1 | $ 245,000 |
| Providence Bank & Trust 630 EAST 162ND ST SOUTH HOLLAND, IL 60473 |
* | $ 1,361,041,000 | 1 | $ 125,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 122,074,000 | 1 | $ 75,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 245,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 145,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 205,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 205,000 |
| Lakeview Community Capital 4425 PONE DE LEON BLVD, MS 5-251 CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 285,000 |
| Amres Corporation 1 NESHAMINY INTERPLEX, SUITE 310 TREVOSE, PA 19053 |
* | $ -1,000 | 1 | $ 485,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 135,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 145,000 |
| Republic Bank of Chicago 2221 CAMDEN COURT OAK BROOK, ILLINOIS, IL 60523 |
* | $ 2,526,113,000 | 1 | $ 95,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 235,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 315,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 125,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ 523,226,000 | 1 | $ 25,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 135,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 195,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 1,761,471,000 | 1 | $ 105,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 315,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 1,664,906,000 | 1 | $ 175,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 335,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 305,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 85,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ 3,111,820,000 | 1 | $ 195,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 205,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 698,469,000 | 1 | $ 255,000 |
| Notre Dame Federal Credit Union P.O. BOX 7878 NOTRE DAME, IN 46556 |
* | $ 904,564,000 | 1 | $ 25,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,413,912,000 | 1 | $ 95,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 345,555,000 | 1 | $ 75,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 1 | $ 275,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 175,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 38,107,223,000 | 1 | $ 335,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 245,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 145,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 55,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 285,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 5,860,350,000 | 1 | $ 15,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 115,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 555,533,000 | 1 | $ 65,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,423,533,000 | 1 | $ 225,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 235,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 235,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ -1,000 | 1 | $ 165,000 |
| Shelter Growth Capital Partners LLC 750 WASHINGTON BLVD WILMINGTON, DE 06901 |
* | $ -1,000 | 1 | $ 165,000 |
| First National Bank of Brookfield 9136 WASHINGTON AVENUE BROOKFIELD, IL 60513 |
* | $ 315,156,000 | 1 | $ 245,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 167,115,000 | 1 | $ 275,000 |
| Waterman State Bank 248 W LINCOLN HWY WATERMAN, IL 60556 |
* | $ 85,668,000 | 1 | $ 175,000 |
| Direct Lending Partners LLC 835 HAMILTON ST ST. AUGUSTINE, FL 32095 |
* | $ -1,000 | 1 | $ 315,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2022 mortgage applications in Grundy County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Grundy County, IL in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,292 | $297,860,000 | $230,000 | $3,005,000 | $105,000 | $2,349,000 |
| Cash-out Refinancing | 461 | $87,455,000 | $189,000 | $915,000 | $92,000 | $376,000 |
| Refinancing | 336 | $65,330,000 | $194,000 | $1,805,000 | $102,000 | $495,000 |
| Other Purpose | 203 | $15,725,000 | $77,000 | $455,000 | $123,000 | $918,000 |
| Home Improvement | 150 | $11,390,000 | $75,000 | $335,000 | $116,000 | $389,000 |
| Not Applicable | 14 | $1,930,000 | $137,000 | $215,000 | $48,000 | $48,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,779 | $331,955,000 | $186,000 | $1,065,000 | $107,000 | $2,349,000 |
| Not applicable | 229 | $56,385,000 | $246,000 | $1,805,000 | $89,000 | $184,000 |
| Not Provided | 196 | $35,980,000 | $183,000 | $545,000 | $95,000 | $363,000 |
| Hispanic | 172 | $35,670,000 | $207,000 | $615,000 | $91,000 | $265,000 |
| Black or African American | 38 | $8,380,000 | $220,000 | $365,000 | $88,000 | $270,000 |
| Asian | 26 | $8,580,000 | $330,000 | $3,005,000 | $131,000 | $480,000 |
| American Indian or Alaskan Native | 10 | $1,240,000 | $124,000 | $245,000 | $79,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $300,000 | $150,000 | $265,000 | $123,000 | $123,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,846 | $339,470,000 | $183,000 | $3,005,000 | $110,000 | $2,349,000 |
| FHA-insured (Federal Housing Administration) | 423 | $92,815,000 | $219,000 | $425,000 | $82,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 162 | $43,000,000 | $265,000 | $615,000 | $88,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $4,405,000 | $176,000 | $265,000 | $67,000 | $188,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,420 | $290,210,000 | $204,000 | $1,805,000 | $108,000 | $2,349,000 |
| Application Withdrawn By Applicant | 319 | $66,295,000 | $207,000 | $3,005,000 | $104,000 | $700,000 |
| Application Denied By Financial Institution | 302 | $39,960,000 | $132,000 | $485,000 | $91,000 | $500,000 |
| Loan Purchased By The Institution | 268 | $59,100,000 | $220,000 | $645,000 | $91,000 | $243,000 |
| File Closed For Incompleteness | 102 | $15,710,000 | $154,000 | $415,000 | $91,000 | $330,000 |
| Application Approved But Not Accepted | 42 | $7,580,000 | $180,000 | $405,000 | $115,000 | $359,000 |
| Preapproval Approved but not Accepted | 2 | $510,000 | $255,000 | $355,000 | $108,000 | $137,000 |
| Preapproval Denied by Financial Institution | 1 | $325,000 | $325,000 | $325,000 | $98,000 | $98,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,132 | $436,030,000 | $204,000 | $3,005,000 | $106,000 | $2,349,000 |
| Credit History | 102 | $11,340,000 | $111,000 | $355,000 | $105,000 | $500,000 |
| Debt-To-Income Ratio | 86 | $11,610,000 | $135,000 | $535,000 | $77,000 | $256,000 |
| Collateral | 51 | $6,775,000 | $132,000 | $335,000 | $89,000 | $230,000 |
| Credit Application Incomplete | 46 | $7,980,000 | $173,000 | $485,000 | $97,000 | $363,000 |
| Other | 25 | $3,335,000 | $133,000 | $365,000 | $107,000 | $240,000 |
| Unverifiable Information | 8 | $1,080,000 | $135,000 | $165,000 | $53,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,120,000 | $280,000 | $325,000 | $96,000 | $99,000 |
| Employment History | 2 | $420,000 | $210,000 | $255,000 | $47,000 | $83,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Grundy County Mortgage Lenders: Frequently Asked Questions
Which lender has the lowest mortgage rates?
Mortgage rates in Grundy County fluctuate daily. At the moment, local credit unions and online lenders such as Rocket Mortgage and Better Mortgage frequently have good rates. We suggest checking a minimum of 3 to 5 lenders on the same day to ensure you get the best rate for your particular financial needs.
What not to say to a mortgage lender?
Plans to quit your job, assume new debts, and make large cash deposits without documentation are not plans you should share with a mortgage lender. Don't withhold information about your financial history, exaggerate your income, or downplay existing debts. Transparency with your lender is crucial for a smooth mortgage process.
What is the best mortgage lender right now?
"Best" is a relative term and depends largely on what the client is looking for. In Grundy County, First Midwest Bank, Grundy Bank, and Morris Building & Loan consistently receive high customer satisfaction ratings. National lenders like Quicken Loans and Chase also serve the area well. Your best option depends on your credit score, down payment amount, and preferred loan type.
Is it better to go to a bank or a mortgage broker?
In Grundy County's smaller market, mortgage brokers often provide access to more loan options from multiple lenders, potentially finding better rates. Local banks might also have a more personal touch for their known clientele. Brokers are usually more helpful to first-time homebuyers while those with established banking relationships are likely to stick with their bank.
Who are the top 10 mortgage lenders?
The top national mortgage lenders serving Grundy County include: Wells Fargo, Chase, Rocket Mortgage/Quicken Loans, Bank of America, U.S. Bank, loanDepot, Caliber Home Loans, United Wholesale Mortgage, Freedom Mortgage, and Fairway Independent Mortgage.
Who are the big 6 mortgage lenders?
The six largest mortgage lenders operating in Grundy County are Wells Fargo, Chase, Rocket Mortgage/Quicken Loans, Bank of America, U.S. Bank, and loanDepot.
What is the easiest mortgage loan to get?
FHA loans are typically the easiest to qualify for in Grundy County, requiring only a 3.5% down payment and accepting credit scores as low as 580. VA loans are excellent options for eligible veterans, while USDA loans serve rural areas of the county with 100% financing for qualified buyers.
Which bank is best for a mortgage loan?
In Grundy County, First Midwest Bank and Grundy Bank receive high marks for customer service and competitive rates. Nationally, Chase and Wells Fargo offer diverse loan products. Online lenders like Rocket Mortgage provide efficient digital experiences. The best choice depends on your specific financial profile and preferences.
Is it better to go with a local mortgage lender?
Local lenders in Grundy County offer advantages including familiarity with the local market, potentially faster closings, and personalized service. They may also be more flexible with unique property situations common in rural areas. However, national lenders might offer lower rates for conventional loans with excellent credit.
What are today's mortgage rates?
Mortgage rates change daily. As of now, 30-year fixed rates in Grundy County average between 6.25-7.00%, while 15-year fixed rates range from 5.50-6.25%. For the most current rates, contact AllMortgageDetail or check our website for today's updated figures.
How much can I borrow for a mortgage?
Most lenders in Grundy County follow the guideline that your monthly housing expenses should not exceed 28% of your gross monthly income, with total debt payments under 36%. For example, a household earning $75,000 annually might qualify for a mortgage between $225,000-$300,000, depending on down payment, credit score, and existing debts.
Which lender has the lowest mortgage rates?
While this question appears twice, it's worth emphasizing that rates vary by lender, loan type, and individual financial profile. Currently in Grundy County, online lenders and credit unions often feature the most competitive rates, but this can change weekly. Compare multiple lenders on the same day for accurate comparisons.
Can you pay off a mortgage early?
Yes, you can pay off a Grundy County mortgage early through additional principal payments, biweekly payment schedules, or lump-sum payments. Most local lenders have eliminated prepayment penalties, but always verify your loan terms. Early payoff can save thousands in interest over the life of your loan.
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