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  2. Top Mortgage Brokers
  3. Mortgage Brokers in Illinois
  4. Naperville

Top Mortgage Brokers In Naperville

10 in Naperville · 19 nearby
Naperville Mortgage Brokers stats: Key insights from this page’s listings Updated
Businesses listed
10 +19 nearby
Average rating
5.0 1455 reviews
Typical service price
$200 – $300 Median of 9 priced services
Most-offered services
Home Buying ServicesClosing ServicesConsultation ServicesHome Mortgage ServicesMortgage Application Assistance
What customers praise
recommend×13highly recommend×7great experience×4helped me×2
Also serving Naperville
Aurora10 · 7 kmJoliet9 · 26 km
Mortgage brokerNaperville, IL

1

Guaranteed Rate Naperville - Danny Delgado

Known for fast, clear communication and a smooth closing process, Guaranteed Rate Naperville - Danny Delgado offers a range of mortgage solutions including purchase loans, refinancing, and specialized programs like physician and bank statement loans. Customers appreciate the team’s responsiveness and support, especially during quick transactions and for first-time buyers.

Services & Prices
First-Time Homebuyer Consultation $100 - $200
Home Purchase Process Guidance $300 - $500
Out-of-State Purchase Support $200 - $400
Closing Coordination $150 - $250
View Profile
(630) 364-7501
Open 9:00 AM - 7:00 PM
35 S Washington St Ste 306, Naperville, IL 60540
General Services
Home Buying Services
2

RATE Naperville (formerly Guaranteed Rate) - Jim Jefferson

RATE Naperville (formerly Guaranteed Rate) specializes in quick, technology-driven mortgage approvals, including specialized loans like FHA, VA, Jumbo, and Physician programs. The team offers personalized guidance throughout home purchases and refinancing, with customers appreciating their clear communication and smooth, efficient process.

View Profile
(847) 542-4273
Open 8:30AM - 7:30PM
35 S Washington St Ste 306, Naperville, IL 60540
3

Smart Mortgage Centers

Smart Mortgage Centers is known for guiding first-time homebuyers through the mortgage process with clear explanations and steady support. The team offers loan options and personalized assistance, often helping clients navigate tricky situations and market challenges. While many appreciate their responsiveness, a few recent customers have noted slower follow-up.

Services & Prices
First-Time Home Buyer Programs $10 - $20
Conventional Loans $200 - $500
Refinancing Options $100 - $300
Pre-Approval Process $50 - $150
View Profile
(888) 416-0920
Open 00:00 - 23:59
4003 Plainfield-Naperville Rd #207, Naperville, IL 60564
General Services
Home Mortgage Services
4

CIBM Mortgage - Naperville

About CIBM BankCIBM Bank is a financial institution dedicated to serving its customers with a range of banking products and services. The bank focuses on providing personalized solutions for both personal and business needs, aiming to be a trusted partner in financial growth. With a commitment to customer satisfaction and community involvement, CIBM Bank strives to offer a seamless and supportive… more...

About CIBM BankCIBM Bank is a financial institution dedicated to serving its customers with a range of banking products and services. The bank focuses on providing personalized solutions for both personal and business needs, aiming to be a trusted partner in financial growth. With a commitment to customer satisfaction and community involvement, CIBM Bank strives to offer a seamless and supportive banking experience. Their expertise spans various financial areas, ensuring clients receive tailored advice and access to the right tools for their financial goals.Credentials and TrustCIBM Bank operates with a commitment to security and customer protection, as evidenced by their emphasis on fraud prevention and secure online banking practices. They are a proud member of the FDIC, ensuring depositor confidence and adherence to federal banking regulations. The bank also highlights its commitment to fair housing as an Equal Housing Lender. While specific certifications or awards are not detailed, their affiliation with FDIC and their status as an Equal Housing Lender serve as key trust signals.CIBM Bank OffersCIBM Bank provides a comprehensive suite of financial services catering to both individual and business clients. For personal banking, they offer checking, savings, and retirement accounts, alongside mortgage and lending solutions. Business clients can access business checking and savings accounts, lending options, and specialized business services. Digital banking is a core offering, with online and mobile banking platforms designed for convenient account management and transactions. They also facilitate personal loan payments through online portals.Unique AdvantagesCIBM Bank distinguishes itself through its dedicated focus on partnership, particularly highlighted in its business offerings with the tagline "It's your Business. We Just Help." They emphasize expert guidance for significant financial decisions like home buying and provide incentives such as referral bonuses. The bank also offers specific promotions, like up to $500 for opening a business checking account, demonstrating a proactive approach to customer acquisition and retention.

View Profile
(630) 369-7227
Open 10:00 AM - 6:00 PM
1811 Centre Point Cir Ste 123, Naperville, IL 60563
5

Scott Halvorsen - Fairway Home Mortgage Naperville IL

Fairway Home Mortgage in Naperville is known for its responsive team that guides clients through the home loan process with clear explanations and timely communication. They offer a range of mortgage services and strive to make what can be a stressful experience feel manageable. Customers appreciate the approachable and patient support throughout each step.

View Profile
(630) 225-8610
Open 9:00 AM - 5:00 PM
3420 Lacrosse Ln Ste 115, Naperville, IL 60564
Where they are 29 on the map Click a pin for the profile and directions
6

Tony Tabrizi at CrossCountry Mortgage

CrossCountry Mortgage focuses on providing clear communication and support throughout the home buying process. The team offers mortgage lending services and is known for being responsive and knowledgeable. Customers appreciate their professionalism and helpfulness, with a few noting occasional wait times for answers.

View Profile
(815) 260-8354
Open 9:00 AM - 6:00 PM
600 S Washington St Unit 100B, Naperville, IL 60540
7

Great Mortgage

Great Mortgage focuses on finding competitive mortgage rates and maintaining ongoing support even after closing. The team assists with securing loans and regularly monitors the market to help clients improve their terms. Customers appreciate their responsiveness and dedication throughout the entire process.

View Profile
(630) 262-0401
Open 9:00 AM - 5:00 PM
1754 N Washington St #128B, Naperville, IL 60563
8

Professional Mortgage Solutions

Known for clear communication and personalized guidance, Professional Mortgage Solutions helps clients navigate home buying and refinancing with transparency. Their services include loan pre-qualification, mortgage program selection, and advice on credit and affordability. Customers appreciate their responsiveness and honest approach, noting occasional minor delays handled promptly by the team.

Services & Prices
First-Time Home Buyer Guidance $500 - $800
Refinancing Consultation $300 - $600
Documentation Assistance $200 - $400
Rate Comparison $100 - $200
View Profile
(630) 717-3600
Open 9:00 AM - 5:00 PM
1776 Legacy Cir Ste 107, Naperville, IL 60563
General Services
Mortgage Guidance
9

Grant Zabielski - Mortgage Loan Originator

Known for clear communication and thorough guidance, this mortgage loan originator helps clients navigate home buying and refinancing with ease. The team focuses on personalized mortgage solutions, keeping borrowers informed throughout the process. While some clients note occasional hiccups, the staff’s problem-solving and responsiveness stand out.

View Profile
(312) 752-6899
Closed Now
3135 Book Rd, Naperville, IL 60564
10

Guild Mortgage Company

Guild Mortgage Company specializes in guiding first-time homebuyers through the loan process with clear communication and timely support. The team offers home loan services and is known for helping clients meet tight closing deadlines. Customers appreciate their responsiveness and ability to simplify complex steps.

View Profile
(314) 474-1040
Open 8:00 AM - 5:00 PM
111 E Jefferson Ave Suite 2N, Naperville, IL 60540
11

Joliet Bank & Trust

Serves Naperville, IL

Known for its helpful and patient team, Joliet Bank & Trust offers mortgage services alongside personal and business banking. Customers appreciate the clear explanations and friendly support throughout the mortgage process, though experiences may vary depending on the representative assisting. The staff’s attentiveness often makes complex steps easier to navigate.

Services & Prices
Checking Account Opening $0 - $25
Savings Account Opening $0 - $25
Account Maintenance $5 - $15
In-Person Consultations $0 - $50
View Profile
(815) 725-8100
Open 9:00 AM - 5:00 PM
2108 W Jefferson St, Joliet, IL 60435
General Services
Banking Services
12

First Centennial Mortgage

Serves Naperville, IL

First Centennial Mortgage is known for its straightforward approach and supportive team, especially valued by first-time homebuyers navigating the mortgage process. They offer a variety of loan options and maintain clear communication throughout, helping clients feel informed and encouraged. Some find the process challenging, but the team’s guidance often makes it more manageable.

View Profile
(877) 463-2610
Open 8:30 AM - 5:00 PM
2471 W Sullivan Rd Suite 1, Aurora, IL 60506
13

The Hill Mortgage Company

Serves Naperville, IL

The Hill Mortgage Company is known for clear communication and honoring upfront commitments like zero closing costs. The team assists with refinancing and mortgage loans, staying in close contact throughout the process. Customers appreciate their knowledge and availability, though some note occasional last-minute changes.

View Profile
(630) 618-4235
Open 10:00 AM - 6:00 PM
75 Executive Dr Ste 117, Aurora, IL 60504
14

VC MORTGAGE LLC

Serves Naperville, IL

VC Mortgage LLC focuses on fast mortgage approvals and clear communication to help clients move smoothly from pre-approval to closing. They offer a variety of loan programs, including Conventional, First-Time Home Buyer, Buydown Loans, HELOC, and Refinance options. Customers appreciate the team’s responsiveness and thorough guidance throughout the process.

View Profile
(331) 707-5709
Open 8:00 AM - 6:00 PM
75 Executive Dr Ste 357D, Aurora, IL 60504
15

John Ruiz - Preferred Rate

Serves Naperville, IL

Known for clear communication and responsiveness, John Ruiz - Preferred Rate helps clients navigate the mortgage process with transparency and care. The team offers mortgage lending services focused on making financing straightforward and efficient. Customers appreciate their patience and professionalism, though some note the process can still feel complex at times.

Services & Prices
Mortgage Consultation $100 - $200
Loan Pre-Approval $50 - $100
First-Time Home Buyer Assistance $150 - $300
Home Buying Guidance $500 - $1000
View Profile
(708) 925-5148
Open 7:00 AM - 10:00 PM
350 Houbolt Rd Unit 206, Joliet, IL 60431
General Services
Home Financing
16

Guild Mortgage - Linda Callaghan

Serves Naperville, IL

Guild Mortgage offers a wide range of loan options, including FHA, VA, and USDA programs, aimed at making homeownership accessible for first-time buyers and those refinancing. The team provides clear, supportive guidance throughout the process, helping clients feel informed and confident, though some may find the pace slower than expected.

View Profile
(630) 854-9037
Open 8:00 AM - 5:00 PM
2471 W Sullivan Rd Suite 1, Aurora, IL 60506
17

TNT Financial Group, LLC

Serves Naperville, IL

Known for personalized and clear communication, TNT Financial Group, LLC specializes in guiding clients through mortgage loans with detailed explanations and responsive support. The team helps both first-time buyers and experienced property owners navigate approvals and closings smoothly, with customers appreciating their professionalism and availability throughout the process.

Services & Prices
Home Purchase Loans $10 - $20
Refinancing $10 - $20
FHA Loans $10 - $20
Loan Application Assistance $10 - $20
View Profile
(708) 567-2380
Open 8:00 AM - 5:00 PM
350 Houbolt Rd Unit 206, Joliet, IL 60431
General Services
Mortgage Services
18

Steve Staniszewski - Mortgage Loan Originator Midland States Bank nmls# 435784

Serves Naperville, IL

Midland States Bank operates as a community-focused lender registered under NMLS #411141, emphasizing fair and personalized mortgage services. The team helps with home purchases and refinancing, drawing on decades of experience to guide clients through the process. Customers appreciate the responsive communication and straightforward approach, though some note paperwork can require patience.

Services & Prices
Home Purchase Loans $3000 - $5000
Refinancing $1500 - $3000
Loan Pre-Approval $500 - $1000
First-Time Homebuyer Consultation $100 - $300
View Profile
(815) 341-5457
Open 8:00 AM - 5:00 PM
1540 Rte 59, Joliet, IL 60431
General Services
Mortgage Services
19

Guild Mortgage - Rick Litton

Serves Naperville, IL

Guild Mortgage offers a wide range of mortgage options, including VA, FHA, Jumbo, USDA, and renovation loans, backed by over 60 years of experience. The team focuses on understanding each client’s unique needs to provide clear guidance throughout the home financing process. Customers appreciate their responsiveness and the straightforward, supportive approach.

View Profile
(630) 319-4762
Open 8:00 AM - 5:00 PM
2471 W Sullivan Rd Suite 1, Aurora, IL 60506
20

Cassandra Bajak-Sr.Mortgage LO Guild Mortgage

Serves Naperville, IL

With over 35 years of experience and a Certified Veteran Lending Specialist credential, this team offers expertise in a wide range of mortgage options including Jumbo, VA, FHA, and renovation loans. Clients appreciate their clear communication and thorough guidance throughout the home buying process, though some note the fast pace can feel intense.

View Profile
(847) 877-5588
Open 00:00 - 23:59
2471 W Sullivan Rd Suite 1, Aurora, IL 60506
21

Janine Iuliano at CrossCountry Mortgage

Serves Naperville, IL

Known for attentive guidance throughout the mortgage process, this team helps clients find loans that fit their goals. They assist with home purchase financing and stay responsive to questions, making the experience smoother. Some clients note the process can take time, but appreciate the clear communication and support.

View Profile
(847) 553-7196
Open 8:30 AM - 5:00 PM
310 N Ottawa St suite 5, Joliet, IL 60432
22

Jennifer Castillo

Serves Naperville, IL

Specializing in guiding first-time homebuyers through the mortgage process, this team offers clear communication and thorough explanations at every step. They handle loan approvals and financing with patience and responsiveness, making what can be a stressful experience feel manageable. Customers appreciate their professionalism and supportive approach throughout the home purchase journey.

View Profile
(630) 347-0121
Open 8:00 AM - 5:00 PM
2471 W Sullivan Rd Suite 1, Aurora, IL 60506
23

Michael Giacomino | Mortgage Loan Officer

Serves Naperville, IL

Known for clear communication and a smooth mortgage process, this team helps clients navigate home financing with ease. They offer personalized loan options and keep borrowers informed at every step. Customers appreciate their punctuality and friendly approach, though some may find the process takes careful attention to detail.

View Profile
(630) 746-7478
Closed Now
2471 W Sullivan Rd, Aurora, IL 60506
24

Preferred Rate - Joliet

Serves Naperville, IL

Preferred Rate offers a variety of home loan options, including purchase and refinance programs, supported by a broad network of licensed loan officers across multiple states. Customers appreciate the team’s straightforward guidance and helpful resources, which simplify the mortgage process, especially for first-time homebuyers. Some find the experience easier when working with specific agents… more...

Preferred Rate offers a variety of home loan options, including purchase and refinance programs, supported by a broad network of licensed loan officers across multiple states. Customers appreciate the team’s straightforward guidance and helpful resources, which simplify the mortgage process, especially for first-time homebuyers. Some find the experience easier when working with specific agents familiar with their needs.

View Profile
(708) 925-5148
Open 8:30AM - 6PM
350 Houbolt Rd Unit 206, Joliet, IL 60431
25

First Mortgage Resource

Serves Naperville, IL

With nearly 20 years of experience, First Mortgage Resource specializes in guiding first-time homebuyers through the mortgage process. Their team offers a variety of loan options, including Conventional, FHA, VA, and Jumbo loans, aiming to make financing straightforward. Customers appreciate their clear communication and responsive support throughout the homebuying journey.

View Profile
(815) 609-9400
Open 9:00 AM - 5:00 PM
3180 Theodore St #104, Joliet, IL 60435
26

Cindy Allen | Mortgage Loan Officer | Aurora, IL

Serves Naperville, IL

With over 30 years of experience, this mortgage team focuses on educating clients to make the home financing process clear and manageable. They offer a wide range of loan programs, including Conventional, FHA, VA, USDA, Down Payment Assistance, and Renovation loans. Customers appreciate their responsive communication and thorough guidance, especially first-time buyers.

Services & Prices
First Time Home Buyer Consultation $100 - $150
Home Market Analysis $200 - $300
Home Offer Preparation $150 - $250
Investment Property Advice $150 - $200
View Profile
(630) 395-7515
Open 00:00 - 23:59
2471 W Sullivan Rd Suite 1, Aurora, IL 60506
General Services
Home Buying
27

Wintrust Mortgage

Serves Naperville, IL

About ForbiddenAccess to this resource is denied. Please ensure you have the necessary permissions.CredentialsNo information available regarding credentials or trust signals.OfferingsNo information available regarding services or products.Unique AdvantagesNo verifiable differentiators can be identified from the provided text.

View Profile
(815) 725-8100
Open 9:00 AM - 5:00 PM
2108 W Jefferson St, Joliet, IL 60435
28

Chase Home Lending

Serves Naperville, IL

View Profile
(630) 917-4381
Open 9:00 AM - 5:00 PM
1421 Rte 59, Joliet, IL 60431
29

John Price | Mortgage Loan Officer | Aurora, IL

Serves Naperville, IL

About This PageThe website is currently experiencing an HTTP ERROR 522, indicating a connection issue between the web server and the visitor. This means the page is not loading correctly. Users encountering this error are advised to contact the site owner for assistance.CredentialsNo specific credentials, certifications, or awards are mentioned on this error page. The primary information… more...

About This PageThe website is currently experiencing an HTTP ERROR 522, indicating a connection issue between the web server and the visitor. This means the page is not loading correctly. Users encountering this error are advised to contact the site owner for assistance.CredentialsNo specific credentials, certifications, or awards are mentioned on this error page. The primary information available is the HTTP ERROR 522 code, which signifies a connection problem.OfferingsThis page does not detail any services or products offered by the website. Its sole purpose is to inform the user that the page is not working and to suggest contacting the site owner.Unique AdvantagesThe only verifiable differentiator is the clear communication of a technical issue (HTTP ERROR 522) and a direct instruction to contact the site owner, indicating a direct approach to problem resolution.

View Profile
(630) 297-7924
Open 9AM - 5PM
2471 W Sullivan Rd Suite 1, Aurora, IL 60506

Naperville Mortgage Statistics

Home-purchase lending in Dupage County and home costs in Naperville, IL (latest HMDA and Census data)

Lenders made 8,655 home-purchase loans in Dupage County in 2025 (average about $441,000) and denied 732 — 8% of decided applications, compared with 12% across Illinois, according to federal mortgage data (HMDA, CFPB). In Naperville, the median home is worth $540,200 and 67% of owners have a mortgage, paying a median $3,154 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
8,655▼ 3%8,950 in 2024
Denial rate
8%IL 12%
Median home value
$540,200IL $263,300
Monthly cost with a mortgage
$3,154median · IL $1,987
Refinance loans made (Dupage County, 2025)
6,070 · 3,801 in 2024
Home-improvement loans made (2025)
1,715
Average home-purchase loan
$441,000 (IL $322,000)
Owners with a mortgage
67% · 21% of them spend 30%+ of income on housing
Median household income
$155,105 (IL $83,390)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Dupage County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Naperville Mortgage Brokers stats: 29 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Guaranteed Rate Naperville - Danny Delgado 5.0 322 $50 (630) 364-7501 Visit
2 RATE Naperville (formerly Guaranteed Rate) - Jim Jefferson 5.0 275 — (847) 542-4273 Visit
3 Smart Mortgage Centers 4.9 272 $10 (888) 416-0920 Visit
4 CIBM Mortgage - Naperville 4.9 215 — (630) 369-7227 Visit
5 Scott Halvorsen - Fairway Home Mortgage Naperville IL 4.9 168 — (630) 225-8610 Visit
6 Tony Tabrizi at CrossCountry Mortgage 5.0 76 — (815) 260-8354 Visit
7 Great Mortgage 4.8 61 — (630) 262-0401 Visit
8 Professional Mortgage Solutions 5.0 37 $50 (630) 717-3600 Visit
9 Grant Zabielski - Mortgage Loan Originator 5.0 19 — (312) 752-6899 Visit
10 Guild Mortgage Company 5.0 10 — (314) 474-1040 Visit
11 Joliet Bank & Trust 4.9 171 $5 (815) 725-8100 Visit
12 First Centennial Mortgage 4.8 167 — (877) 463-2610 Visit
13 The Hill Mortgage Company 5.0 96 — (630) 618-4235 Visit
14 VC MORTGAGE LLC 5.0 95 — (331) 707-5709 Visit
15 John Ruiz - Preferred Rate 5.0 81 $50 (708) 925-5148 Visit
16 Guild Mortgage - Linda Callaghan 4.9 49 — (630) 854-9037 Visit
17 TNT Financial Group, LLC 5.0 47 $10 (708) 567-2380 Visit
18 Steve Staniszewski - Mortgage Loan Originator Midland States Bank nmls# 435784 5.0 42 $50 (815) 341-5457 Visit
19 Guild Mortgage - Rick Litton 5.0 35 — (630) 319-4762 Visit
20 Cassandra Bajak-Sr.Mortgage LO Guild Mortgage 4.9 33 — (847) 877-5588 Visit
21 Janine Iuliano at CrossCountry Mortgage 5.0 19 — (847) 553-7196 Visit
22 Jennifer Castillo 5.0 16 — (630) 347-0121 —
23 Michael Giacomino | Mortgage Loan Officer 5.0 15 — (630) 746-7478 —
24 Preferred Rate - Joliet 5.0 10 — (708) 925-5148 Visit
25 First Mortgage Resource 5.0 9 — (815) 609-9400 Visit
26 Cindy Allen | Mortgage Loan Officer | Aurora, IL 5.0 5 $50 (630) 395-7515 Visit
27 Wintrust Mortgage 5.0 1 — (815) 725-8100 Visit
28 Chase Home Lending 5.0 1 — (630) 917-4381 Visit
29 John Price | Mortgage Loan Officer | Aurora, IL 5.0 1 — (630) 297-7924 Visit

Frequently asked questions

8 questions
What does a mortgage broker do?
Mortgage brokers help clients find suitable mortgage loans by comparing offers from various lenders. They handle paperwork, negotiate terms, and guide clients through the application process.
How do I choose the best mortgage broker in Naperville?
Consider customer reviews, ratings, and if the business has claimed its profile. TrustAnalytica ranks brokers using these factors for transparent, data-driven ordering.
Are free consultations common with mortgage brokers?
Yes, many mortgage brokers offer free consultations to discuss your needs and explain their services before committing to any agreement.
What questions should I ask a mortgage broker?
Ask about their experience, fees, loan options, and how they can assist in securing the best mortgage terms for your situation.
Do I need a mortgage broker in Illinois?
While not required, a mortgage broker can simplify the loan process by offering expertise and access to a range of loan products.
How long does the mortgage process take with a broker?
The mortgage process typically takes 30 to 45 days, but this can vary based on lender efficiency and document readiness.
How are mortgage broker fees typically structured?
Mortgage broker fees are usually a small percentage of the loan amount, paid by the lender or borrower, and should be disclosed upfront.
What services do mortgage brokers in Naperville offer?
Naperville mortgage brokers offer services like loan comparison, application assistance, and negotiation with lenders to find favorable mortgage terms.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 mortgage broker list assembly and recognition by TrustAnalytica for Naperville is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing mortgage broker companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 mortgage broker category.

The Process

1

Business Verification

Verified mortgage broker listings in Naperville are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive mortgage broker profiles offer vital details for informed decisions in Naperville.

3

Reviews And Ratings

Real-time customer ratings guide our mortgage broker rankings in Naperville, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top mortgage broker providers in Naperville.

5

AI Search Visibility

Every mortgage broker listing in Naperville is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.