Illinois · HMDA 2025
Mortgage lenders in De Witt County, IL
108 lenders reported 476 home-loan applications in De Witt County in 2025. 281 closed as loans ($43.9M), 58 were denied — a 16.5% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 19% of applications, led by CITIZENS EQUITY FIRST. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 476
- Loans originated
- 281
- Purchase / refinance
- 158 / 80
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in De Witt County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CITIZENS EQUITY FIRST | 32 | 6.7% | — |
| 2 | FIRST STATE MORTGAGE SERVICES, LLC | 31 | 6.5% | — |
| 3 | Broker Solutions, Inc. | 29 | 6.1% | — |
| 4 | Rocket Mortgage, LLC | 28 | 5.9% | — |
| 5 | Heartland Bank and Trust Company 80 out of 100, Strong | 26 | 5.5% | 17.2% |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 19 | 4.0% | 39.5% |
| 7 | FLAT BRANCH MORTGAGE, INC. | 16 | 3.4% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 15 | 3.2% | — |
| 9 | Synergy One Lending, Inc. | 11 | 2.3% | — |
| 10 | Bank of Gibson City | 11 | 2.3% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 2.1% | 14.1% |
| 12 | Mortgage Research Center, LLC | 10 | 2.1% | — |
| 13 | Regions Bank 64 out of 100, Moderate | 9 | 1.9% | 43.1% |
| 14 | FREEDOM MORTGAGE CORPORATION | 9 | 1.9% | — |
| 15 | PLANET HOME LENDING, LLC | 8 | 1.7% | — |
| 16 | First State Bank of Forrest 49 out of 100, Below average | 8 | 1.7% | 6.1% |
| 17 | Busey Bank 74 out of 100, Strong | 8 | 1.7% | 13.9% |
| 18 | Coastal Community Bank 35 out of 100, Low | 8 | 1.7% | 3.0% |
| 19 | NEWREZ LLC | 7 | 1.5% | — |
| 20 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 1.5% | — |
| 21 | Morton Community Bank 72 out of 100, Strong | 7 | 1.5% | 11.4% |
| 22 | NATIONSTAR MORTGAGE LLC | 7 | 1.5% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 1.1% | — |
| 24 | First State Bank and Trust 73 out of 100, Strong | 5 | 1.1% | 5.9% |
| 25 | POINT MORTGAGE CORPORATION | 5 | 1.1% | — |
| 26 | GUILD MORTGAGE COMPANY | 4 | 0.8% | — |
| 27 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 0.8% | 33.8% |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.8% | — |
| 29 | DECATUR EARTHMOVER CREDIT UNION 70 out of 100, Strong | 4 | 0.8% | 17.4% |
| 30 | 1ST MIDAMERICA CREDIT UNION 64 out of 100, Moderate | 4 | 0.8% | 22.6% |
| 31 | NEW DAY FINANCIAL, LLC | 4 | 0.8% | — |
| 32 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.8% | — |
| 33 | COMMUNITY BANC MORTGAGE CORPORATION | 4 | 0.8% | — |
| 34 | Discover Bank | 3 | 0.6% | — |
| 35 | AmeriSave Mortgage Corporation | 3 | 0.6% | — |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.6% | — |
| 37 | Prairie State Bank and Trust 80 out of 100, Strong | 3 | 0.6% | 3.9% |
| 38 | Flanagan State Bank 67 out of 100, Moderate | 3 | 0.6% | 14.2% |
| 39 | FIGURE LENDING LLC | 3 | 0.6% | — |
| 40 | Midland States Bank 62 out of 100, Moderate | 3 | 0.6% | 27.2% |
Top 40 of 108 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