Illinois · HMDA 2025
Mortgage lenders in Franklin County, IL
116 lenders reported 1,116 home-loan applications in Franklin County in 2025. 496 closed as loans ($60.6M), 192 were denied — a 26.7% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 25% of applications, led by U.S. Bank National Association. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,116
- Loans originated
- 496
- Purchase / refinance
- 321 / 115
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 103 | 9.2% | 39.5% |
| 2 | FIRSTTRUST HOME LOANS, INC. | 101 | 9.1% | — |
| 3 | Rocket Mortgage, LLC | 75 | 6.7% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 65 | 5.8% | — |
| 5 | Peoples National Bank , N.A. 62 out of 100, Moderate | 46 | 4.1% | 13.7% |
| 6 | PLANET HOME LENDING, LLC | 41 | 3.7% | — |
| 7 | Broker Solutions, Inc. | 38 | 3.4% | — |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 35 | 3.1% | — |
| 9 | GUILD MORTGAGE COMPANY | 29 | 2.6% | — |
| 10 | Mortgage Research Center, LLC | 27 | 2.4% | — |
| 11 | FIGURE LENDING LLC | 23 | 2.1% | — |
| 12 | PREMIER MORTGAGE RESOURCES, L.L.C. | 23 | 2.1% | — |
| 13 | Banterra Bank 66 out of 100, Moderate | 23 | 2.1% | 16.1% |
| 14 | 21st Mortgage Corporation | 21 | 1.9% | — |
| 15 | GERSHMAN INVESTMENT CORP. | 21 | 1.9% | — |
| 16 | AmeriSave Mortgage Corporation | 20 | 1.8% | — |
| 17 | COMMUNITY BANC MORTGAGE CORPORATION | 19 | 1.7% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 17 | 1.5% | — |
| 19 | Fifth Third Bank, National Association 62 out of 100, Moderate | 17 | 1.5% | 34.0% |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 1.4% | 14.1% |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 1.4% | — |
| 22 | Regions Bank 64 out of 100, Moderate | 16 | 1.4% | 43.1% |
| 23 | NEWREZ LLC | 15 | 1.3% | — |
| 24 | GUARANTEED RATE, INC. | 14 | 1.3% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 14 | 1.3% | — |
| 26 | FREEDOM MORTGAGE CORPORATION | 12 | 1.1% | — |
| 27 | Equity Prime Mortgage LLC | 12 | 1.1% | — |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 12 | 1.1% | — |
| 29 | First Financial Bank, National Association 68 out of 100, Moderate | 10 | 0.9% | 28.8% |
| 30 | NEW DAY FINANCIAL, LLC | 10 | 0.9% | — |
| 31 | Farmers State Bank of Alto Pass, Ill. | 10 | 0.9% | — |
| 32 | PHH Mortgage Corporation | 10 | 0.9% | — |
| 33 | SIU Credit Union 72 out of 100, Strong | 9 | 0.8% | 11.1% |
| 34 | The Bank of Herrin 65 out of 100, Moderate | 8 | 0.7% | 7.7% |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.6% | — |
| 36 | CONSUMER REAL ESTATE FINANCE CO. | 7 | 0.6% | — |
| 37 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 0.5% | 32.5% |
| 38 | SCOTT CREDIT UNION 71 out of 100, Strong | 6 | 0.5% | 23.3% |
| 39 | Coastal Community Bank 35 out of 100, Low | 6 | 0.5% | 3.0% |
| 40 | Discover Bank | 5 | 0.4% | — |
Top 40 of 116 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