Licensed · Joliet
Licensed & Insured Mortgage Brokers in Joliet, IL
Every mortgage brokers listed here carries proper licensing and insurance in IL. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Joliet, IL by verified customer ratings and review volume. The highest-rated is HMA Mortgage with a 5.0-star rating from 1,423 verified reviews. Also in the top tier: Smart Mortgage Centers and Constant Mortgage Group - HMA Mortgage. The average rating across all listed mortgage brokers in Joliet is 4.9 stars from 148 reviews per business on average.
Mortgage brokers in Joliet: 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
17
Businesses listed
4.9★
Avg rating
148
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
HMA Mortgage
4640 Campbells Run Rd, Pittsburgh, PA 15205, USA
Smart Mortgage Centers
4003 Plainfield-Naperville Rd #207, Naperville, IL 60564, USA
Constant Mortgage Group - HMA Mortgage
1224 Centre W Dr # 200D, Springfield, IL 62704, USA
Mortgage Brokers Rankings in Joliet, IL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | HMA Mortgage4640 Campbells Run Rd, Pittsburgh, PA 15205, USA | 5.0★ | 1,423 |
| #2 | Smart Mortgage Centers4003 Plainfield-Naperville Rd #207, Naperville, IL 60564, USA | 4.9★ | 272 |
| #3 | Constant Mortgage Group - HMA Mortgage1224 Centre W Dr # 200D, Springfield, IL 62704, USA | 5.0★ | 135 |
| #4 | John Ruiz - Preferred Rate350 Houbolt Rd Unit 206, Joliet, IL 60431, USA | 5.0★ | 76 |
| #5 | Rocket Mortgage - Local2017 S Rte 59, Plainfield, IL 60586, USA | 5.0★ | 245 |
| #6 | Javier Ortiz American Portfolio Mortgage318 Alana Dr, New Lenox, IL 60451, USA | 5.0★ | 7 |
| #7 | Megan Wendtland - Mortgage Loan Officer400 E Lincoln Hwy Suite 101, New Lenox, IL 60451, USA | 5.0★ | 115 |
| #8 | Peak Choice Capital601 Silver Creek Dr, Joliet, IL 60431, USA | 4.2★ | 5 |
| #9 | Janine Iuliano at CrossCountry Mortgage310 N Ottawa St, Joliet, IL 60432, USA | 5.0★ | 12 |
| #10 | Brian T. Nevins - Rocket Mortgage Local2011 Rte 59, Plainfield, IL 60586, USA | 5.0★ | 33 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Joliet
John Ruiz - Preferred Rate
350 Houbolt Rd Unit 206, Joliet, IL 60431, USA
Rocket Mortgage - Local
2017 S Rte 59, Plainfield, IL 60586, USA
Javier Ortiz American Portfolio Mortgage
318 Alana Dr, New Lenox, IL 60451, USA
Megan Wendtland - Mortgage Loan Officer
400 E Lincoln Hwy Suite 101, New Lenox, IL 60451, USA
Janine Iuliano at CrossCountry Mortgage
310 N Ottawa St, Joliet, IL 60432, USA
Preferred Rate - Joliet
350 Houbolt Rd Unit 206, Joliet, IL 60431, USA
Smart Mortgage Centers - Plainfield IL
16151 S Lincoln Hwy, Plainfield, IL 60586, USA
Great Mortgage
1754 N Washington St #128B, Naperville, IL 60563, USA
Steve Staniszewski - Mortgage Loan Originator Midland States Bank nmls# 435784
1540 Rte 59, Joliet, IL 60431, USA
Christopher Graham-Rocket Mortgage Local Team
2011 Rte 59, Plainfield, IL 60586, USA
First Mortgage Resource
3180 Theodore St Suite 104, Joliet, IL 60435, USA
Parlay Mortgage & Property
16612 W 159th St #201, Lockport, IL 60441, USA
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Frequently Asked Questions — Mortgage Brokers in Joliet
What does a mortgage broker do differently than going directly to a bank in Joliet?
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 Joliet?
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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