Highest Rated · Naperville
Top-Rated Mortgage Brokers in Naperville, IL
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Naperville, IL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Guaranteed Rate Naperville - Danny Delgado with a 5.0-star rating from 318 Google reviews and an RNM Score of 88/100. 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 June 13, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
The Rate Update Powered by Peoples Bank and Trust
As a top-ranked broker in Naperville, it combines local expertise with the strength of a trusted bank, offering competitive rates and personalized service.
Most Reviewed
CIBM Mortgage - Naperville
A high review count indicates broad customer experience and reliability, helping consumers gauge overall satisfaction and service consistency.
When choosing a mortgage broker in Naperville, compare not only rates but also local market knowledge and responsiveness. Reading recent reviews and asking for referrals can help ensure a smooth process.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
103
Avg reviews
Jun 13, 2026
Last updated
Top Rated Mortgage Brokers
Naperville mortgage broker with a perfect 5.0-star rating from over 300 reviews.
35 S Washington St Suite 306, Naperville, IL 60540, USANaperville mortgage broker with a perfect 5.0-star rating from 265 reviews.
35 S Washington St Suite 306, Naperville, IL 60540, USANaperville mortgage broker with a perfect 5.0-star rating from over 200 reviews.
1617 Ogden Ave Ste 5, Lisle, IL 60532, USAMortgage 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 | Scott Halvorsen - Fairway Home Mortgage Naperville IL3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA | 4.9★ | 159 |
| #5 | The Rate Update Powered by Peoples Bank and Trust800 W 5th Ave Suite 104B, Naperville, IL 60563, USA | 4.9★ | 51 |
| #6 | Scott Gajewski at Fairway Independent Mortgage Corporation(NMLS #257217)3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA | 5.0★ | 52 |
| #7 | Professional Mortgage Solutions1776 Legacy Cir STE 107, Naperville, IL 60563, USA | 5.0★ | 36 |
| #8 | CIBM Mortgage - Naperville1811 Centre Point Cir STE 123, Naperville, IL 60563, USA | 4.9★ | 207 |
| #9 | Guaranteed Rate1355 Rte 59 #202, Naperville, IL 60564, USA | 4.9★ | 90 |
| #10 | Brad Rasof at Rate35 S Washington St Suite 306, Naperville, IL 60540, USA | 4.9★ | 61 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Naperville
Trusted Naperville mortgage broker with a flawless 4.9-star rating from over 150 reviews.
3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA
Exceptional 4.9-star rating from 51 Google reviews in Naperville.
800 W 5th Ave Suite 104B, Naperville, IL 60563, USA
Naperville’s top-rated mortgage broker with 52 perfect 5.0-star Google reviews.
3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA
Rated 5.0 stars from 36 Google reviews by local clients.
1776 Legacy Cir STE 107, Naperville, IL 60563, USA
A 4.9-star rating from over 200 reviews reflects exceptional client trust in Naperville.
1811 Centre Point Cir STE 123, Naperville, IL 60563, USA
Naperville mortgage broker with a 4.9-star rating from 90 Google reviews.
1355 Rte 59 #202, Naperville, IL 60564, USA
A 4.9-star rating from 61 reviews makes this Naperville mortgage broker highly trusted.
35 S Washington St Suite 306, Naperville, IL 60540, USA
Naperville mortgage broker with a perfect 5.0-star rating from over 20 reviews.
2752 Forgue Dr Suite 120-A, Naperville, IL 60564, USA
Rated 5.0 stars from 86 Google reviews, widely trusted by Naperville clients.
27755 Diehl Rd Suite 100, Warrenville, IL 60555, USA
5.0 stars from 68 Google reviews, demonstrating exceptional local service.
3420 Lacrosse Ln Ste 115, Naperville, IL 60564, USA
Rated 4.9 stars from 58 reviews, this Naperville mortgage broker is highly trusted.
651 N Washington St Suite B, Naperville, IL 60563, USA
Rated 5.0 stars from over 20 Google reviews in Naperville.
3135 Book Rd, Naperville, IL 60564, USA
Naperville mortgage broker with 4.8 stars from 18 reviews.
629 S Washington St, Naperville, IL 60540, USA
Naperville mortgage broker with a perfect 5.0-star rating from 17 reviews.
35 S Washington St Suite 306, Naperville, IL 60540, USA
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Mortgage Brokers in Naperville, IL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Guaranteed Rate Naperville - Danny Delgado | 88/100 | 5.0 ★ | 318 |
| 2 | RATE Naperville (formerly Guaranteed Rate) - Jim Jefferson | 88/100 | 5.0 ★ | 265 |
| 3 | Zachary Kraus Mortgage Lending Team #502422 | 88/100 | 5.0 ★ | 223 |
| 4 | Scott Halvorsen - Fairway Home Mortgage Naperville IL | 84/100 | 4.9 ★ | 159 |
| 5 | The Rate Update Powered by Peoples Bank and Trust | 78/100 | 4.9 ★ | 51 |
| 6 | Scott Gajewski at Fairway Independent Mortgage Corporation(NMLS #257217) | 80/100 | 5.0 ★ | 52 |
| 7 | Professional Mortgage Solutions | 78/100 | 5.0 ★ | 36 |
| 8 | CIBM Mortgage - Naperville | 86/100 | 4.9 ★ | 207 |
| 9 | Guaranteed Rate | 81/100 | 4.9 ★ | 90 |
| 10 | Brad Rasof at Rate | 79/100 | 4.9 ★ | 61 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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: June 13, 2026.
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