Pricing Guide · Naperville
Mortgage Brokers Cost in Naperville, IL — 2026 Price Guide
What should you pay for mortgage brokers in Naperville? See real 2026 price ranges from local pros and get free quotes to compare.
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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