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Looking for a mortgage lender in Wood River? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Wood River, 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 3 mortgage lenders in Wood River, 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.
1st MidAmerica Credit Union
1795 E Edwardsville Rd, Wood River, IL 62095
6182583168
First Mid Bank & Trust
1046 Madison Ave, Wood River, IL 62095
6182548445
Busey Bank
1153 Vaughn Rd, Wood River, IL 62095
6182580300
Mortgage lenders in Wood River, Illinois help residents secure financing for home purchases and refinancing. Illinois law requires lenders to be licensed through the Illinois Department of Financial and Professional Regulation. Local lenders understand the Wood River real estate market and can guide you through the loan process.
What Does a Mortgage Lender in Wood River Cost?
Typical costs for a mortgage lender in Illinois include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,500. Closing costs generally range from 2% to 5% of the purchase price. This is general information, 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 Wood River?
You typically need pay stubs, tax returns, bank statements, and identification. Illinois lenders also require proof of homeowners insurance before closing.
How long does the mortgage process take in Illinois?
The process usually takes 30 to 45 days from application to closing. Illinois law requires a three business day right of rescission for refinances but not for purchase loans.
Are there special mortgage programs for Illinois home buyers?
Yes, the Illinois Housing Development Authority offers down payment assistance and low interest loans for first time buyers. These programs have income and purchase price limits specific to Madison County.
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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.