Illinois · HMDA 2025
Mortgage lenders in Clay County, IL
53 lenders reported 237 home-loan applications in Clay County in 2025. 127 closed as loans ($15.8M), 46 were denied — a 26.4% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 35% of applications, led by Broker Solutions, Inc.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 237
- Loans originated
- 127
- Purchase / refinance
- 87 / 30
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Broker Solutions, Inc. | 37 | 15.6% | — |
| 2 | Community Partners Savings Bank 63 out of 100, Moderate | 26 | 11.0% | 17.5% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 20 | 8.4% | 39.5% |
| 4 | COMMUNITY BANC MORTGAGE CORPORATION | 18 | 7.6% | — |
| 5 | Rocket Mortgage, LLC | 16 | 6.8% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 12 | 5.1% | — |
| 7 | Mortgage Research Center, LLC | 10 | 4.2% | — |
| 8 | AmeriSave Mortgage Corporation | 8 | 3.4% | — |
| 9 | Petefish, Skiles & Co. 75 out of 100, Strong | 7 | 3.0% | 17.9% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 6 | 2.5% | — |
| 11 | Midland States Bank 62 out of 100, Moderate | 5 | 2.1% | 27.2% |
| 12 | 21st Mortgage Corporation | 4 | 1.7% | — |
| 13 | Fairway Independent Mortgage Corporation | 4 | 1.7% | — |
| 14 | Loandepot.Com, LLC | 4 | 1.7% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 1.3% | 32.9% |
| 16 | SCOTT CREDIT UNION 71 out of 100, Strong | 3 | 1.3% | 23.3% |
| 17 | FREEDOM MORTGAGE CORPORATION | 3 | 1.3% | — |
| 18 | Dieterich Bank 46 out of 100, Below average | 3 | 1.3% | 8.8% |
| 19 | Discover Bank | 2 | 0.8% | — |
| 20 | GUARANTEED RATE, INC. | 2 | 0.8% | — |
| 21 | SOUTHWEST STAGE FUNDING, LLC | 2 | 0.8% | — |
| 22 | CONSUMERS COOPERATIVE CREDIT UNION | 2 | 0.8% | — |
| 23 | DELMAR FINANCIAL COMPANY | 2 | 0.8% | — |
| 24 | Farm Credit Mid-America | 2 | 0.8% | — |
| 25 | AMERICAN FINANCING CORPORATION | 2 | 0.8% | — |
| 26 | First Financial Bank, National Association 68 out of 100, Moderate | 2 | 0.8% | 28.8% |
| 27 | NATIONSTAR MORTGAGE LLC | 2 | 0.8% | — |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 2 | 0.8% | — |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 2 | 0.8% | — |
| 30 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 2 | 0.8% | 22.9% |
| 31 | United Community Bank 72 out of 100, Strong | 2 | 0.8% | 10.6% |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.4% | 32.5% |
| 33 | Regions Bank 64 out of 100, Moderate | 1 | 0.4% | 43.1% |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.4% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.4% | 44.7% |
| 36 | SPRING EQ, LLC | 1 | 0.4% | — |
| 37 | BMO Bank National Association 83 out of 100, Strong | 1 | 0.4% | 40.5% |
| 38 | Paramount Residential Mortgage Group, Inc. | 1 | 0.4% | — |
| 39 | PLANET HOME LENDING, LLC | 1 | 0.4% | — |
| 40 | Liberty | 1 | 0.4% | — |
Top 40 of 53 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