Illinois · HMDA 2025
Mortgage lenders in Clinton County, IL
126 lenders reported 1,238 home-loan applications in Clinton County in 2025. 747 closed as loans ($129.3M), 154 were denied — a 16.7% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 28% of applications, led by FCB Banks. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,238
- Loans originated
- 747
- Purchase / refinance
- 385 / 186
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clinton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FCB Banks 66 out of 100, Moderate | 241 | 19.5% | 9.4% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 53 | 4.3% | 39.5% |
| 3 | SCOTT CREDIT UNION 71 out of 100, Strong | 51 | 4.1% | 23.3% |
| 4 | Germantown Trust & Savings Bank 87 out of 100, Very strong | 49 | 4.0% | 4.7% |
| 5 | Dieterich Bank 46 out of 100, Below average | 49 | 4.0% | 8.8% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 46 | 3.7% | — |
| 7 | Rocket Mortgage, LLC | 40 | 3.2% | — |
| 8 | DELMAR FINANCIAL COMPANY | 39 | 3.2% | — |
| 9 | Regions Bank 64 out of 100, Moderate | 34 | 2.7% | 43.1% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 32 | 2.6% | 14.1% |
| 11 | NEWREZ LLC | 31 | 2.5% | — |
| 12 | NATIONSTAR MORTGAGE LLC | 29 | 2.3% | — |
| 13 | Mortgage Research Center, LLC | 26 | 2.1% | — |
| 14 | 1NB Bank 74 out of 100, Strong | 26 | 2.1% | 15.0% |
| 15 | Farmers State Bank of Hoffman 77 out of 100, Strong | 22 | 1.8% | 22.6% |
| 16 | Broker Solutions, Inc. | 21 | 1.7% | — |
| 17 | FLAT BRANCH MORTGAGE, INC. | 21 | 1.7% | — |
| 18 | Truist Bank 63 out of 100, Moderate | 18 | 1.5% | 40.8% |
| 19 | PLANET HOME LENDING, LLC | 18 | 1.5% | — |
| 20 | The Bradford National Bank of Greenville 58 out of 100, Moderate | 18 | 1.5% | 5.4% |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 1.4% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 15 | 1.2% | — |
| 23 | PIKE CREEK MORTGAGE SERVICES, INC. | 15 | 1.2% | — |
| 24 | GUARANTEED RATE, INC. | 12 | 1.0% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 0.9% | 32.9% |
| 26 | Midland States Bank 62 out of 100, Moderate | 11 | 0.9% | 27.2% |
| 27 | FIGURE LENDING LLC | 9 | 0.7% | — |
| 28 | ENDEAVOR CAPITAL, LLC. | 9 | 0.7% | — |
| 29 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 9 | 0.7% | 22.9% |
| 30 | CITIZENS EQUITY FIRST | 8 | 0.6% | — |
| 31 | GUILD MORTGAGE COMPANY | 7 | 0.6% | — |
| 32 | SPRING EQ, LLC | 7 | 0.6% | — |
| 33 | Bank of Hillsboro, National Association | 7 | 0.6% | — |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 7 | 0.6% | — |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.6% | — |
| 36 | PHH Mortgage Corporation | 7 | 0.6% | — |
| 37 | Coastal Community Bank 35 out of 100, Low | 7 | 0.6% | 3.0% |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.5% | 22.2% |
| 39 | Loandepot.Com, LLC | 6 | 0.5% | — |
| 40 | AmeriSave Mortgage Corporation | 6 | 0.5% | — |
Top 40 of 126 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