Illinois · HMDA 2025
Mortgage lenders in Ford County, IL
110 lenders reported 483 home-loan applications in Ford County in 2025. 290 closed as loans ($39.1M), 65 were denied — a 17.9% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 23% of applications, led by Bank of Gibson City. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 483
- Loans originated
- 290
- Purchase / refinance
- 169 / 88
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bank of Gibson City | 41 | 8.5% | — |
| 2 | Broker Solutions, Inc. | 35 | 7.2% | — |
| 3 | Petefish, Skiles & Co. 75 out of 100, Strong | 33 | 6.8% | 17.9% |
| 4 | FLAT BRANCH MORTGAGE, INC. | 33 | 6.8% | — |
| 5 | Rocket Mortgage, LLC | 25 | 5.2% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 24 | 5.0% | — |
| 7 | Vermilion Valley Bank 96 out of 100, Very strong | 19 | 3.9% | 0.0% |
| 8 | First State Bank of Forrest 49 out of 100, Below average | 16 | 3.3% | 6.1% |
| 9 | Heartland Bank and Trust Company 80 out of 100, Strong | 16 | 3.3% | 17.2% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 2.7% | 39.5% |
| 11 | The Fisher National Bank 59 out of 100, Moderate | 11 | 2.3% | 2.3% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.9% | 14.1% |
| 13 | University of Illinois Community Credit Union 67 out of 100, Moderate | 8 | 1.7% | 6.6% |
| 14 | Busey Bank 74 out of 100, Strong | 8 | 1.7% | 13.9% |
| 15 | Loandepot.Com, LLC | 7 | 1.4% | — |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | 1.4% | — |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.2% | — |
| 18 | Midland States Bank 62 out of 100, Moderate | 6 | 1.2% | 27.2% |
| 19 | The Gifford State Bank | 6 | 1.2% | — |
| 20 | CITIZENS EQUITY FIRST | 6 | 1.2% | — |
| 21 | NEWREZ LLC | 5 | 1.0% | — |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 1.0% | — |
| 23 | PLANET HOME LENDING, LLC | 5 | 1.0% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 5 | 1.0% | — |
| 25 | Longview Bank 62 out of 100, Moderate | 5 | 1.0% | 2.1% |
| 26 | Bank of Pontiac 72 out of 100, Strong | 5 | 1.0% | 2.3% |
| 27 | FIRST STATE MORTGAGE SERVICES, LLC | 4 | 0.8% | — |
| 28 | AmeriSave Mortgage Corporation | 3 | 0.6% | — |
| 29 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.6% | 33.8% |
| 30 | FIGURE LENDING LLC | 3 | 0.6% | — |
| 31 | TruHome Solutions, LLC | 3 | 0.6% | — |
| 32 | AMERICAN FINANCING CORPORATION | 3 | 0.6% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 3 | 0.6% | — |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.6% | — |
| 35 | VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | 0.4% | — |
| 36 | Fairway Independent Mortgage Corporation | 2 | 0.4% | — |
| 37 | Mortgage Research Center, LLC | 2 | 0.4% | — |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.4% | 44.7% |
| 39 | Prairie State Bank and Trust 80 out of 100, Strong | 2 | 0.4% | 3.9% |
| 40 | Flanagan State Bank 67 out of 100, Moderate | 2 | 0.4% | 14.2% |
Top 40 of 110 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