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As of July 2026, RatingsNearMe ranks 18 mortgage brokers in Elgin, IL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is GreenState Mortgage - Daryn Peterson - NMLS 755958 with a 5.0-star rating from 170 Google reviews and an RNM Score of 86/100. Also in the top tier: Joe Mainolfi, Mortgage Lender NMLS #2039850 and The Bukowski Mortgage Team - The Money Store. The average rating across all listed mortgage brokers in Elgin is 4.5 stars from 46 reviews per business on average.
Mortgage brokers in Elgin: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
GreenState Mortgage - Daryn Peterson - NMLS 755958
Top-ranked due to exceptional customer service and competitive rates in Elgin.
Most Reviewed
Fairway Independent Mortgage Corporation
High review count reflects strong customer trust and consistent positive experiences.
Compare multiple brokers, check local expertise, and read recent reviews to ensure the best fit for your mortgage needs.
Local Market Snapshot
18
Businesses listed
4.5★
Avg rating
46
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Boasts a perfect 5.0-star rating from over 170 Google reviews.
3755 E Main St Suite 152, St. Charles, IL 60174, USAExceptional 5.0-star rating from over 130 Google reviews in Elgin.
162 E Chicago St, Elgin, IL 60120, USATop-rated Elgin mortgage broker with a perfect 5.0-star rating from over 100 reviews.
405 Illinois Ave #2c, St. Charles, IL 60174, USAMortgage Brokers Rankings in Elgin, IL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | GreenState Mortgage - Daryn Peterson - NMLS 7559583755 E Main St Suite 152, St. Charles, IL 60174, USA | 5.0★ | 170 |
| #2 | Joe Mainolfi, Mortgage Lender NMLS #2039850162 E Chicago St, Elgin, IL 60120, USA | 5.0★ | 136 |
| #3 | The Bukowski Mortgage Team - The Money Store405 Illinois Ave #2c, St. Charles, IL 60174, USA | 5.0★ | 107 |
| #4 | Guild Mortgage Company1646 Ravine Ln Unit 201, Carpentersville, IL 60110, USA | 4.9★ | 35 |
| #5 | The Hoss Team at CrossCountry Mortgage116 E Main St, St. Charles, IL 60174, USA | 5.0★ | 32 |
| #6 | Al Martinez Mortgage Broker, Huntley10417 Dawson St, Huntley, IL 60142, USA | 5.0★ | 5 |
| #7 | Edgar Santiago at CrossCountry Mortgage221 E Chicago St Suite 103, Elgin, IL 60120, USA | 5.0★ | 53 |
| #8 | Acclaim Mortgage Corp.2815 Forbs Ave #107, Hoffman Estates, IL 60192, USA | 5.0★ | 43 |
| #9 | Nirav Patel - Mortgage Lender; First American Bank970 Rte 59, Bartlett, IL 60103, USA | 5.0★ | 100 |
| #10 | Fairway Independent Mortgage Corporation2205 Point Blvd Suite 175, Elgin, IL 60123, USA | 4.9★ | 62 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Elgin
Elgin mortgage broker with a 4.9-star rating from 35 Google reviews.
1646 Ravine Ln Unit 201, Carpentersville, IL 60110, USA
5.0 stars from 32 Google reviews, reflecting exceptional client satisfaction.
116 E Main St, St. Charles, IL 60174, USA
Exceptional 5.0-star rating from five Google reviews.
10417 Dawson St, Huntley, IL 60142, USA
Elgin mortgage broker with a perfect 5.0-star rating from 53 reviews.
221 E Chicago St Suite 103, Elgin, IL 60120, USA
Elgin mortgage broker with a perfect 5.0-star rating from 43 Google reviews.
2815 Forbs Ave #107, Hoffman Estates, IL 60192, USA
Consistently earns 5.0 stars from hundreds of local client reviews.
970 Rte 59, Bartlett, IL 60103, USA
Elgin mortgage broker with a 4.9-star rating from 62 reviews.
2205 Point Blvd Suite 175, Elgin, IL 60123, USA
A local mortgage broker with a 2.8-star rating from 27 Google reviews.
2200 Point Blvd, Elgin, IL 60123, USA
Rated 5.0 stars from 18 Google reviews, this mortgage broker is highly trusted.
104 S 2nd Ave, St. Charles, IL 60174, USA
Trusted by locals with a solid 4.0-star rating from 17 reviews.
1051 E Main St #219, East Dundee, IL 60118, USA
Consistently rated 5.0 stars from 14 Google reviews.
1646 Ravine Ln Unit 201, Carpentersville, IL 60110, USA
Exceptional 5.0-star rating from seven Google reviews.
460 Briargate Dr STE 200, South Elgin, IL 60177, USA
5.0 stars from 2 Google reviews reflects exceptional early client feedback.
158 E Chicago St, Elgin, IL 60120, USA
Elgin mortgage broker with a solid 4.0-star rating based on 2 customer reviews.
270 S Randall Rd, Elgin, IL 60123, USA
Rated 1.0 stars from a single Google review, indicating mixed customer feedback.
Elgin, IL 60123, USA
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Mortgage Brokers in Elgin, IL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | GreenState Mortgage - Daryn Peterson - NMLS 755958 | 86/100 | 5.0 ★ | 170 |
| 2 | Joe Mainolfi, Mortgage Lender NMLS #2039850 | 85/100 | 5.0 ★ | 136 |
| 3 | The Bukowski Mortgage Team - The Money Store | 84/100 | 5.0 ★ | 107 |
| 4 | Guild Mortgage Company | 76/100 | 4.9 ★ | 35 |
| 5 | The Hoss Team at CrossCountry Mortgage | 77/100 | 5.0 ★ | 32 |
| 6 | Al Martinez Mortgage Broker, Huntley | 68/100 | 5.0 ★ | 5 |
| 7 | Edgar Santiago at CrossCountry Mortgage | 80/100 | 5.0 ★ | 53 |
| 8 | Acclaim Mortgage Corp. | 79/100 | 5.0 ★ | 43 |
| 9 | Nirav Patel - Mortgage Lender; First American Bank | 83/100 | 5.0 ★ | 100 |
| 10 | Fairway Independent Mortgage Corporation | 79/100 | 4.9 ★ | 62 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Elgin
What does a mortgage broker do differently than going directly to a bank in Elgin?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Elgin?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in IL?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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