Illinois · HMDA 2025
Mortgage lenders in Carroll County, IL
119 lenders reported 416 home-loan applications in Carroll County in 2025. 226 closed as loans ($44.9M), 80 were denied — a 25.7% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 16% of applications, led by U.S. Bank National Association. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 416
- Loans originated
- 226
- Purchase / refinance
- 137 / 60
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Carroll County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 26 | 6.3% | 39.5% |
| 2 | Rocket Mortgage, LLC | 24 | 5.8% | — |
| 3 | R.I.A. Federal Credit Union 62 out of 100, Moderate | 18 | 4.3% | 25.1% |
| 4 | GREENSTATE Credit Union 50 out of 100, Below average | 17 | 4.1% | 10.1% |
| 5 | Mortgage Research Center, LLC | 15 | 3.6% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 14 | 3.4% | — |
| 7 | Broker Solutions, Inc. | 13 | 3.1% | — |
| 8 | Fidelity Bank 52 out of 100, Below average | 13 | 3.1% | 2.6% |
| 9 | AmeriSave Mortgage Corporation | 12 | 2.9% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11 | 2.6% | 14.1% |
| 11 | Fairway Independent Mortgage Corporation | 10 | 2.4% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 2.4% | — |
| 13 | Fifth Third Bank, National Association 62 out of 100, Moderate | 10 | 2.4% | 34.0% |
| 14 | GUARANTEED RATE, INC. | 9 | 2.2% | — |
| 15 | PLANET HOME LENDING, LLC | 9 | 2.2% | — |
| 16 | GUILD MORTGAGE COMPANY | 8 | 1.9% | — |
| 17 | NEWREZ LLC | 7 | 1.7% | — |
| 18 | Farmers National Bank 88 out of 100, Very strong | 6 | 1.4% | 1.0% |
| 19 | Kiavi Funding, Inc. | 6 | 1.4% | — |
| 20 | COMPEER FINANCIAL, FLCA | 6 | 1.4% | — |
| 21 | ASCENTRA Credit Union 63 out of 100, Moderate | 6 | 1.4% | 18.5% |
| 22 | DUPACO COMMUNITY | 6 | 1.4% | — |
| 23 | Central Bank Illinois 55 out of 100, Moderate | 6 | 1.4% | 3.1% |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 1.2% | — |
| 25 | Sauk Valley Bank & Trust Company 57 out of 100, Moderate | 5 | 1.2% | 8.8% |
| 26 | Loandepot.Com, LLC | 4 | 1.0% | — |
| 27 | Bankers' Bank 69 out of 100, Moderate | 4 | 1.0% | 13.0% |
| 28 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 4 | 1.0% | 9.1% |
| 29 | TBK BANK, SSB 52 out of 100, Below average | 4 | 1.0% | 23.3% |
| 30 | Coastal Community Bank 35 out of 100, Low | 4 | 1.0% | 3.0% |
| 31 | CMG MORTGAGE, INC. | 3 | 0.7% | — |
| 32 | The Huntington National Bank 59 out of 100, Moderate | 3 | 0.7% | 31.6% |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.7% | 44.7% |
| 34 | Flanagan State Bank 67 out of 100, Moderate | 3 | 0.7% | 14.2% |
| 35 | First Central State Bank 83 out of 100, Strong | 3 | 0.7% | 9.1% |
| 36 | IOWA BANKERS MORTGAGE CORPORATION | 3 | 0.7% | — |
| 37 | First American Bank 63 out of 100, Moderate | 3 | 0.7% | 33.0% |
| 38 | Peoples State Bank 80 out of 100, Strong | 2 | 0.5% | 6.2% |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.5% | — |
| 40 | First Community CU of Beloit | 2 | 0.5% | — |
Top 40 of 119 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