Illinois · HMDA 2025
Mortgage lenders in Adams County, IL
138 lenders reported 1,305 home-loan applications in Adams County in 2025. 753 closed as loans ($124.0M), 157 were denied — a 16.5% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 30% of applications, led by United Community Bank. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,305
- Loans originated
- 753
- Purchase / refinance
- 499 / 163
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Adams County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | United Community Bank 72 out of 100, Strong | 205 | 15.7% | 10.6% |
| 2 | First Bankers Trust Company, National Association 57 out of 100, Moderate | 93 | 7.1% | 9.4% |
| 3 | CROSSCOUNTRY MORTGAGE, INC. | 87 | 6.7% | — |
| 4 | HomeBank 74 out of 100, Strong | 78 | 6.0% | 0.9% |
| 5 | Mortgage Research Center, LLC | 65 | 5.0% | — |
| 6 | FLAT BRANCH MORTGAGE, INC. | 65 | 5.0% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 47 | 3.6% | — |
| 8 | Rocket Mortgage, LLC | 47 | 3.6% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 44 | 3.4% | 39.5% |
| 10 | Bank of Springfield 55 out of 100, Moderate | 31 | 2.4% | 7.7% |
| 11 | NEWREZ LLC | 26 | 2.0% | — |
| 12 | GERSHMAN INVESTMENT CORP. | 26 | 2.0% | — |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 20 | 1.5% | — |
| 14 | COMPEER FINANCIAL, FLCA | 20 | 1.5% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 17 | 1.3% | — |
| 16 | Coastal Community Bank 35 out of 100, Low | 17 | 1.3% | 3.0% |
| 17 | Loandepot.Com, LLC | 16 | 1.2% | — |
| 18 | AmeriSave Mortgage Corporation | 15 | 1.1% | — |
| 19 | PLANET HOME LENDING, LLC | 15 | 1.1% | — |
| 20 | THOMPSON KANE & COMPANY, INC | 15 | 1.1% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 14 | 1.1% | — |
| 22 | NEW DAY FINANCIAL, LLC | 14 | 1.1% | — |
| 23 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 1.1% | — |
| 24 | Heartland Bank and Trust Company 80 out of 100, Strong | 14 | 1.1% | 17.2% |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.0% | 14.1% |
| 26 | FIGURE LENDING LLC | 13 | 1.0% | — |
| 27 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 0.8% | — |
| 28 | Broker Solutions, Inc. | 10 | 0.8% | — |
| 29 | DELMAR FINANCIAL COMPANY | 10 | 0.8% | — |
| 30 | Discover Bank | 9 | 0.7% | — |
| 31 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 9 | 0.7% | — |
| 32 | USAA Federal Savings Bank 64 out of 100, Moderate | 8 | 0.6% | 37.2% |
| 33 | TRIAD FINANCIAL SERVICES, INC. | 6 | 0.5% | — |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 0.5% | — |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.5% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.5% | — |
| 37 | GREENSTATE Credit Union 50 out of 100, Below average | 6 | 0.5% | 10.1% |
| 38 | Commerce Bank 76 out of 100, Strong | 6 | 0.5% | 33.2% |
| 39 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.4% | 32.9% |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 5 | 0.4% | 44.7% |
Top 40 of 138 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Illinois
- Cook County 169,779 apps
- DuPage County 34,312 apps
- Will County 32,608 apps
- Lake County 28,380 apps
- Kane County 21,571 apps
- McHenry County 15,435 apps
- Madison County 11,927 apps
- St. Clair County 11,502 apps
- Winnebago County 11,200 apps
- Kendall County 7,582 apps
- Sangamon County 7,080 apps
- Peoria County 6,053 apps