Verified · Joliet
Trusted Mortgage Brokers in Joliet, IL
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Joliet have earned it through hundreds of verified reviews.
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 | Parlay Mortgage & Property16612 W 159th St #201, Lockport, IL 60441, USA | 4.8★ | 16 |
| #5 | Javier Ortiz American Portfolio Mortgage318 Alana Dr, New Lenox, IL 60451, USA | 5.0★ | 7 |
| #6 | Megan Wendtland - Mortgage Loan Officer400 E Lincoln Hwy Suite 101, New Lenox, IL 60451, USA | 5.0★ | 115 |
| #7 | Peak Choice Capital601 Silver Creek Dr, Joliet, IL 60431, USA | 4.2★ | 5 |
| #8 | Janine Iuliano at CrossCountry Mortgage310 N Ottawa St, Joliet, IL 60432, USA | 5.0★ | 12 |
| #9 | Brian T. Nevins - Rocket Mortgage Local2011 Rte 59, Plainfield, IL 60586, USA | 5.0★ | 33 |
| #10 | Preferred Rate - Joliet350 Houbolt Rd Unit 206, Joliet, IL 60431, USA | 5.0★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Joliet
Parlay Mortgage & Property
16612 W 159th St #201, Lockport, IL 60441, 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
John Ruiz - Preferred Rate
350 Houbolt Rd Unit 206, Joliet, IL 60431, USA
Rocket Mortgage - Local
2017 S Rte 59, Plainfield, IL 60586, 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
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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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