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Lender Tables
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The FREEandCLEAR Score is based on a comprehensive independent analysis of the lender by FREEandCLEAR mortgage experts that reflects the lender's mortgage rates, technology platform and loan program offering. The score is based on public information and market research. Lenders cannot pay to be analyzed or to change their analysis. View FREEandCLEAR Lender Directory FAQs for more information.
★★★★★☆
CERTIFIED LOW RATE LENDER
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The FREEandCLEAR Certified Low Rate Lender badge is awarded based on the results of mystery shopping mortgage rates for over 2,000 lenders. The lenders with the lowest mortgage rates and APR are awarded Gold, Silver or Bronze badges. Lenders with grey-out badges did not receive a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
MORTGAGE PROGRAM LEADER
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The FREEandCLEAR Mortgage Program Leader badge is awarded based on the the number of mortgage programs offered by a lender. The more mortgage programs offered by a lender, the higher the rating. Lenders with grey-out badges did not receive a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
TECHNOLOGY ALL STAR
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The FREEandCLEAR Technology All Star badge is awarded based on a lender's web site functionality and ease-of-use and if the lender offers an online mortgage application. Lenders with grey-out badges did not recieve a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
Bank 34 Overview
Bank 34 is a bank with operations in six states. Bank 34 offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA and construction mortgages. Bank 34 is a FREEandCLEAR Mortgage Program Leader.
Bank 34 offers the following loan programs: Conventional, Jumbo, Non-Owner Occupied, FHA, VA, USDA, Other Low / No Down Payment, Construction / C2P, Home Equity / HELOC, Asset Depletion, Portfolio Loans, Bank Statement / Stated Income, Land / Lot Loans
Conventional
Jumbo
Interest Only
Non-Owner Occupied
FHA
VA
USDA
HUD Section 184
HomeReady
Home Possible
Other Low / No Down Payment
FHA 203(k)
HomeStyle Renovation
Construction / C2P
Reverse Mortgage
Home Equity / HELOC
Asset Depletion
Portfolio Loans
Credit-Challenged Borrowers
Self-Employed Borrowers
Bank Statement / Stated Income
Foreign National Borrowers
Land / Lot Loans
Manufactured Home Loans
Private Money
Bank 34 Locations
Bank 34 is licensed in Arizona, Colorado, New Mexico, Oregon, Texas, Washington
Lender licensed in state
Lender not licensed in state
Borrower Reviews
Adam Harrison
Mortgage Rate:
★☆☆☆☆☆
Closing Costs:
★☆☆☆☆☆
Customer Service:
★☆☆☆☆☆
Our experience was the worst. Our mortgage loan officer was Kathy Funke. That lady was so messed up. She literally drained my savings account to a negative status that I had to take a personal loan from a family member to have enough money for closing. She delayed my closing so much that my builder charged me daily. She said she would pay for the late fees, and me not knowing the industry, took her word for it. When it came time to collect, she told me that she couldn't legally repay my fees. I was out thousands. I knew I had some debt, and continually asked if I needed to pay more off in order to get the house. Her answer was always, "No. It's fine." A week later, it changed and if I didn't want to lose the house, I had to cough up thousands. My wonderful Realtor found another financial institution that would take me from that point and finish the job. When I told Kathy at Bank 34, they kept me hanging on by telling me the closing disclosure paperwork was coming tomorrow morning. This happened several times, for over a week. I moved in to my house a month after I was supposed to due to the unprofessional and subpar loan officers this bank hires. It's as if they hire any Joe Blow off the street, give them a computer, and instantly they have a mortgage loan officer. Avoid using this company at all costs. I have a horrible interest rate, nothing in my bank accounts, and a very bitter taste in my mouth. Hindsight, I should have gone with a local household name. Never again. Heed my advice, and stay away! Learn from my mistake! My HUGE mistake.
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Current Mortgage Rates in Chicago,Illinois as of May 11, 2025
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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