The Lenders Community Survey gathers homeowners feedback and 90 lenders recommendations for Illinois home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 2, 2025
<< Human Powered Recommendations >>
Illinois’ Top Lenders for Home Refinance Loans
Chicago, Aurora, Joliet, Naperville, Rockford, Springfield, Elgin, Peoria, Waukegan, Champaign, Online lenders.
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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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 – Mortgage 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 Satisfaction | 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% |
Best Online Lender Mortgage Refinance in Illinois
MFP’s Community Lenders Survey most recommended online refinance lenders in Illinois area are Rocket Mortgage, Better Mortgage and LoanDepot.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$3M | 5.99%-8.50% | 8-30 years | 5.0 | 4.5 | 4.5 | 95% |
| Better Mortgage | $50k-$2M | 6.25%-8.75% | 15-30 years | 4.5 | 4.5 | 4.0 | 92% |
| LoanDepot | $50k-$3M | 6.00%-8.99% | 10-30 years | 4.5 | 4.0 | 4.5 | 90% |
| Newrez | $50k-$2.5M | 6.25%-9.00% | 15-30 years | 4.0 | 4.0 | 4.0 | 88% |
| PenFed Credit Union | $50k-$1.5M | 5.75%-8.25% | 15-30 years | 4.0 | 4.5 | 4.0 | 87% |
| Citizens Bank | $50k-$3M | 6.00%-8.50% | 15-30 years | 4.0 | 4.0 | 3.5 | 85% |
| Carrington Mortgage | $50k-$2.5M | 6.50%-9.25% | 15-30 years | 4.0 | 4.0 | 3.5 | 83% |
| The Federal Savings Bank | $50k-$2M | 6.25%-8.75% | 15-30 years | 3.5 | 4.0 | 4.0 | 82% |
| Wintrust Mortgage | $50k-$2M | 6.50%-9.00% | 15-30 years | 3.5 | 3.5 | 3.5 | 80% |
| Guaranteed Rate | $50k-$3M | 6.00%-8.75% | 15-30 years | 3.5 | 3.5 | 3.0 | 78% |
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