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Mortgage Brokers in Elgin, IL — Free Estimates
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As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Elgin, IL by verified customer ratings and review volume. The highest-rated is GreenState Mortgage - Daryn Peterson - NMLS 755958 with a 5.0-star rating from 170 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
4.5★
Avg rating
46
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
GreenState Mortgage - Daryn Peterson - NMLS 755958
3755 E Main St Suite 152, St. Charles, IL 60174, USA
Joe Mainolfi, Mortgage Lender NMLS #2039850
162 E Chicago St, Elgin, IL 60120, USA
The Bukowski Mortgage Team - The Money Store
405 Illinois Ave #2c, St. Charles, IL 60174, USA
Mortgage 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 | Direct Mortgage Corporation460 Briargate Dr STE 200, South Elgin, IL 60177, USA | 5.0★ | 7 |
| #5 | Fairway Independent Mortgage Corporation2205 Point Blvd Suite 175, Elgin, IL 60123, USA | 4.9★ | 62 |
| #6 | Edgar Santiago at CrossCountry Mortgage221 E Chicago St Suite 103, Elgin, IL 60120, USA | 5.0★ | 53 |
| #7 | Guild Mortgage Company1646 Ravine Ln Unit 201, Carpentersville, IL 60110, USA | 4.9★ | 35 |
| #8 | Al Martinez Mortgage Broker, Huntley10417 Dawson St, Huntley, IL 60142, USA | 5.0★ | 5 |
| #9 | Nirav Patel - Mortgage Lender; First American Bank970 Rte 59, Bartlett, IL 60103, USA | 5.0★ | 100 |
| #10 | American Home Enterprises158 E Chicago St, Elgin, IL 60120, USA | 5.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Elgin
Direct Mortgage Corporation
460 Briargate Dr STE 200, South Elgin, IL 60177, USA
Fairway Independent Mortgage Corporation
2205 Point Blvd Suite 175, Elgin, IL 60123, USA
Edgar Santiago at CrossCountry Mortgage
221 E Chicago St Suite 103, Elgin, IL 60120, USA
Guild Mortgage Company
1646 Ravine Ln Unit 201, Carpentersville, IL 60110, USA
Al Martinez Mortgage Broker, Huntley
10417 Dawson St, Huntley, IL 60142, USA
Nirav Patel - Mortgage Lender; First American Bank
970 Rte 59, Bartlett, IL 60103, USA
American Home Enterprises
158 E Chicago St, Elgin, IL 60120, USA
LSI (Lending Solutions, Inc.)
2200 Point Blvd, Elgin, IL 60123, USA
Acclaim Mortgage Corp.
2815 Forbs Ave #107, Hoffman Estates, IL 60192, USA
US Bank Mortgage
Elgin, IL 60123, USA
Guild Mortgage - Javier Mendoza
1646 Ravine Ln Unit 201, Carpentersville, IL 60110, USA
Barclay Butler Financial Inc
1051 E Main St #219, East Dundee, IL 60118, USA
Mutual of Omaha Mortgage
104 S 2nd Ave, St. Charles, IL 60174, USA
The Hoss Team at CrossCountry Mortgage
116 E Main St, St. Charles, IL 60174, USA
Chase Home Lending
270 S Randall Rd, Elgin, IL 60123, USA
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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: May 17, 2026.
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