Licensed · Elgin
Licensed & Insured Mortgage Brokers in Elgin, IL
Every mortgage brokers listed here carries proper licensing and insurance in IL. Protect yourself — always verify credentials before work begins.
As of August 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 August 24, 2026 · RNM Score = 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
Aug 24, 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 | Al Martinez Mortgage Broker, Huntley10417 Dawson St, Huntley, IL 60142, USA | 5.0★ | 5 |
| #5 | Edgar Santiago at CrossCountry Mortgage221 E Chicago St Suite 103, Elgin, IL 60120, USA | 5.0★ | 53 |
| #6 | Acclaim Mortgage Corp.2815 Forbs Ave #107, Hoffman Estates, IL 60192, USA | 5.0★ | 43 |
| #7 | Nirav Patel - Mortgage Lender; First American Bank970 Rte 59, Bartlett, IL 60103, USA | 5.0★ | 100 |
| #8 | Fairway Independent Mortgage Corporation2205 Point Blvd Suite 175, Elgin, IL 60123, USA | 4.9★ | 62 |
| #9 | LSI (Lending Solutions, Inc.)2200 Point Blvd, Elgin, IL 60123, USA | 2.8★ | 27 |
| #10 | Mutual of Omaha Mortgage104 S 2nd Ave, St. Charles, IL 60174, USA | 5.0★ | 18 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated August 2026
All Mortgage Brokers in Elgin
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
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
Get Free Quotes
We'll connect you with the top mortgage brokers in Elgin, IL.
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 | Al Martinez Mortgage Broker, Huntley | 68/100 | 5.0 ★ | 5 |
| 5 | Edgar Santiago at CrossCountry Mortgage | 80/100 | 5.0 ★ | 53 |
| 6 | Acclaim Mortgage Corp. | 79/100 | 5.0 ★ | 43 |
| 7 | Nirav Patel - Mortgage Lender; First American Bank | 83/100 | 5.0 ★ | 100 |
| 8 | Fairway Independent Mortgage Corporation | 79/100 | 4.9 ★ | 62 |
| 9 | LSI (Lending Solutions, Inc.) | 41/100 | 2.8 ★ | 27 |
| 10 | Mutual of Omaha Mortgage | 74/100 | 5.0 ★ | 18 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · August 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Elgin to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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: August 24, 2026.
More Home Services in Elgin
Related Searches
More ways to find mortgage brokers in Elgin
Mortgage Brokers in nearby cities