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Directory of mortgage lenders in Ottawa, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Ottawa, IL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Illinois before hiring.
Showing 7 mortgage lenders in Ottawa, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Sun Loan Company
2713 Columbus St, Ottawa, IL 61350
8154311336
World Finance
2744 Columbus St #400, Ottawa, IL 61350
8154340382
OSB Community Bank
925 La Salle St, Ottawa, IL 61350
8154332525
Wells Fargo Home Mortgage
1402 Columbus St, Ottawa, IL 61350
8154333715
Midland States Bank
400 E Etna Rd, Ottawa, IL 61350
8154312979
Compeer Financial
3184 IL-23, Ottawa, IL 61350
8154331780
First Federal Savings Bank
633 La Salle St, Ottawa, IL 61350
8004438780
Mortgage lenders in Ottawa, Illinois help homebuyers and homeowners secure financing for property purchases and refinancing. Illinois law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Working with a local lender can provide insight into Ottawa market conditions and LaSalle County property values.
What Does a Mortgage Lender in Ottawa Cost?
Typical costs for a mortgage lender in Illinois include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,500 dollars. Closing costs in Illinois generally range from 2 to 5 percent of the home purchase price. These amounts vary by loan type, property value, and lender. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Ottawa?
You will typically need pay stubs, tax returns, bank statements, and a government-issued ID. Illinois lenders also require a property appraisal and title search. The exact list depends on your loan type and lender requirements.
How long does the mortgage process take in Illinois?
The process from application to closing usually takes 30 to 45 days in Illinois. This timeline can vary based on loan complexity, appraisal scheduling, and underwriting. Illinois law does not set a specific time limit for mortgage processing.
Are there special mortgage programs for Illinois first-time homebuyers?
Yes, the Illinois Housing Development Authority offers programs like the IHDA SmartBuy and Access Mortgage. These provide down payment assistance and competitive rates for eligible first-time buyers. You must work with an IHDA-approved lender to use these programs.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Illinois.