10+ Years · Naperville
Experienced Mortgage Brokers in Naperville, IL
Experience matters. These mortgage brokers in Naperville have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Naperville, IL by verified customer ratings and review volume. The highest-rated is Guaranteed Rate Naperville - Danny Delgado with a 5.0-star rating from 318 verified reviews. Also in the top tier: RATE Naperville (formerly Guaranteed Rate) - Jim Jefferson and Zachary Kraus Mortgage Lending Team #502422. The average rating across all listed mortgage brokers in Naperville is 5 stars from 103 reviews per business on average.
Mortgage brokers in Naperville: 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
5★
Avg rating
103
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Guaranteed Rate Naperville - Danny Delgado
35 S Washington St Suite 306, Naperville, IL 60540, USA
RATE Naperville (formerly Guaranteed Rate) - Jim Jefferson
35 S Washington St Suite 306, Naperville, IL 60540, USA
Zachary Kraus Mortgage Lending Team #502422
1617 Ogden Ave Ste 5, Lisle, IL 60532, USA
Mortgage Brokers Rankings in Naperville, IL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Guaranteed Rate Naperville - Danny Delgado35 S Washington St Suite 306, Naperville, IL 60540, USA | 5.0★ | 318 |
| #2 | RATE Naperville (formerly Guaranteed Rate) - Jim Jefferson35 S Washington St Suite 306, Naperville, IL 60540, USA | 5.0★ | 265 |
| #3 | Zachary Kraus Mortgage Lending Team #5024221617 Ogden Ave Ste 5, Lisle, IL 60532, USA | 5.0★ | 223 |
| #4 | Professional Mortgage Solutions1776 Legacy Cir STE 107, Naperville, IL 60563, USA | 5.0★ | 36 |
| #5 | Brad Rasof at Rate35 S Washington St Suite 306, Naperville, IL 60540, USA | 4.9★ | 61 |
| #6 | Scott Gajewski at Fairway Independent Mortgage Corporation(NMLS #257217)3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA | 5.0★ | 52 |
| #7 | Dennis Papiernik - Naperville, IL - Sr. Loan Officer / Compass Mortgage27755 Diehl Rd Suite 100, Warrenville, IL 60555, USA | 5.0★ | 86 |
| #8 | CIBM Mortgage - Naperville1811 Centre Point Cir STE 123, Naperville, IL 60563, USA | 4.9★ | 207 |
| #9 | Scott Thatcher - Fairway Independent Mortgage Corporation2752 Forgue Dr Suite 120-A, Naperville, IL 60564, USA | 5.0★ | 20 |
| #10 | Guaranteed Rate1355 Rte 59 #202, Naperville, IL 60564, USA | 4.9★ | 90 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Naperville
Professional Mortgage Solutions
1776 Legacy Cir STE 107, Naperville, IL 60563, USA
Brad Rasof at Rate
35 S Washington St Suite 306, Naperville, IL 60540, USA
Scott Gajewski at Fairway Independent Mortgage Corporation(NMLS #257217)
3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA
Dennis Papiernik - Naperville, IL - Sr. Loan Officer / Compass Mortgage
27755 Diehl Rd Suite 100, Warrenville, IL 60555, USA
CIBM Mortgage - Naperville
1811 Centre Point Cir STE 123, Naperville, IL 60563, USA
Scott Thatcher - Fairway Independent Mortgage Corporation
2752 Forgue Dr Suite 120-A, Naperville, IL 60564, USA
Guaranteed Rate
1355 Rte 59 #202, Naperville, IL 60564, USA
Scott Halvorsen - Fairway Home Mortgage Naperville IL
3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA
Jessica Cole at Guaranteed Rate
35 S Washington St Suite 306, Naperville, IL 60540, USA
Grant Zabielski - Mortgage Loan Originator
3135 Book Rd, Naperville, IL 60564, USA
Tony Tabrizi | Fairway Home Mortgage
3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA
Diamond Residential Mortgage Corporation - William Piotrowski
629 S Washington St, Naperville, IL 60540, USA
The Rate Update Powered by Peoples Bank and Trust
800 W 5th Ave Suite 104B, Naperville, IL 60563, USA
The Marino Lending Team - Guild Mortgage Naperville
651 N Washington St Suite B, Naperville, IL 60563, USA
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Frequently Asked Questions — Mortgage Brokers in Naperville
What does a mortgage broker do differently than going directly to a bank in Naperville?
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 Naperville?
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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