Illinois · HMDA 2025
Mortgage lenders in Effingham County, IL
99 lenders reported 814 home-loan applications in Effingham County in 2025. 442 closed as loans ($78.8M), 144 were denied — a 23.9% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 29% of applications, led by Dieterich Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 814
- Loans originated
- 442
- Purchase / refinance
- 270 / 111
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Effingham County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Dieterich Bank 46 out of 100, Below average | 129 | 15.8% | 8.8% |
| 2 | Broker Solutions, Inc. | 57 | 7.0% | — |
| 3 | Fifth Third Bank, National Association 62 out of 100, Moderate | 52 | 6.4% | 34.0% |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 39 | 4.8% | — |
| 5 | Petefish, Skiles & Co. 75 out of 100, Strong | 38 | 4.7% | 17.9% |
| 6 | Midland States Bank 62 out of 100, Moderate | 38 | 4.7% | 27.2% |
| 7 | Rocket Mortgage, LLC | 37 | 4.5% | — |
| 8 | Mortgage Research Center, LLC | 33 | 4.1% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 30 | 3.7% | — |
| 10 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 27 | 3.3% | 22.9% |
| 11 | CASTLE & COOKE MORTGAGE, LLC | 20 | 2.5% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 2.0% | 14.1% |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 16 | 2.0% | 39.5% |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 1.7% | — |
| 15 | AmeriSave Mortgage Corporation | 13 | 1.6% | — |
| 16 | NEWREZ LLC | 12 | 1.5% | — |
| 17 | 21st Mortgage Corporation | 11 | 1.4% | — |
| 18 | Fairway Independent Mortgage Corporation | 10 | 1.2% | — |
| 19 | First National Bank of Waterloo 60 out of 100, Moderate | 10 | 1.2% | 2.7% |
| 20 | FIGURE LENDING LLC | 9 | 1.1% | — |
| 21 | GERSHMAN INVESTMENT CORP. | 9 | 1.1% | — |
| 22 | Discover Bank | 8 | 1.0% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 1.0% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.0% | — |
| 25 | COMMUNITY BANC MORTGAGE CORPORATION | 8 | 1.0% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.9% | 32.9% |
| 27 | Loandepot.Com, LLC | 7 | 0.9% | — |
| 28 | SCOTT CREDIT UNION 71 out of 100, Strong | 7 | 0.9% | 23.3% |
| 29 | FREEDOM MORTGAGE CORPORATION | 7 | 0.9% | — |
| 30 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.7% | — |
| 31 | Farm Credit Mid-America | 6 | 0.7% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 6 | 0.7% | — |
| 33 | The Peoples State Bank of Newton, Illinois 81 out of 100, Strong | 6 | 0.7% | 7.3% |
| 34 | NEW DAY FINANCIAL, LLC | 5 | 0.6% | — |
| 35 | Lendage, LLC | 4 | 0.5% | — |
| 36 | SOUTHWEST STAGE FUNDING, LLC | 4 | 0.5% | — |
| 37 | AMERICAN FINANCING CORPORATION | 4 | 0.5% | — |
| 38 | Bank of Hillsboro, National Association | 4 | 0.5% | — |
| 39 | Coastal Community Bank 35 out of 100, Low | 4 | 0.5% | 3.0% |
| 40 | PLANET HOME LENDING, LLC | 3 | 0.4% | — |
Top 40 of 99 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