Illinois · HMDA 2025
Mortgage lenders in Fulton County, IL
115 lenders reported 926 home-loan applications in Fulton County in 2025. 539 closed as loans ($60.2M), 151 were denied — a 21.3% denial rate on decided applications, close to the Illinois rate of 21.5%. The three most active lenders handled 37% of applications, led by CITIZENS EQUITY FIRST. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 926
- Loans originated
- 539
- Purchase / refinance
- 341 / 115
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fulton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CITIZENS EQUITY FIRST | 139 | 15.0% | — |
| 2 | MidAmerica National Bank 42 out of 100, Below average | 125 | 13.5% | 23.8% |
| 3 | FLAT BRANCH MORTGAGE, INC. | 78 | 8.4% | — |
| 4 | Ipava State Bank 73 out of 100, Strong | 56 | 6.0% | 13.8% |
| 5 | Morton Community Bank 72 out of 100, Strong | 55 | 5.9% | 11.4% |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 44 | 4.8% | 39.5% |
| 7 | Rocket Mortgage, LLC | 32 | 3.5% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 27 | 2.9% | — |
| 9 | Mortgage Research Center, LLC | 27 | 2.9% | — |
| 10 | Bank Of Farmington 66 out of 100, Moderate | 18 | 1.9% | 9.1% |
| 11 | NEWREZ LLC | 15 | 1.6% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 1.3% | — |
| 13 | Coastal Community Bank 35 out of 100, Low | 12 | 1.3% | 3.0% |
| 14 | FIRST STATE MORTGAGE SERVICES, LLC | 11 | 1.2% | — |
| 15 | COMPEER FINANCIAL, FLCA | 11 | 1.2% | — |
| 16 | PLANET HOME LENDING, LLC | 10 | 1.1% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.0% | 14.1% |
| 18 | Broker Solutions, Inc. | 9 | 1.0% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 9 | 1.0% | — |
| 20 | United Community Bank 72 out of 100, Strong | 8 | 0.9% | 10.6% |
| 21 | Discover Bank | 7 | 0.8% | — |
| 22 | AmeriSave Mortgage Corporation | 7 | 0.8% | — |
| 23 | Flanagan State Bank 67 out of 100, Moderate | 7 | 0.8% | 14.2% |
| 24 | Better Banks 59 out of 100, Moderate | 7 | 0.8% | 2.4% |
| 25 | FREEDOM MORTGAGE CORPORATION | 7 | 0.8% | — |
| 26 | USAA Federal Savings Bank 64 out of 100, Moderate | 7 | 0.8% | 37.2% |
| 27 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.6% | 22.2% |
| 28 | CBI Bank & Trust | 6 | 0.6% | — |
| 29 | Heartland Bank and Trust Company 80 out of 100, Strong | 6 | 0.6% | 17.2% |
| 30 | Loandepot.Com, LLC | 5 | 0.5% | — |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.5% | — |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 5 | 0.5% | 33.8% |
| 33 | Midwest Bank 66 out of 100, Moderate | 5 | 0.5% | 2.9% |
| 34 | I. H. MISSISSIPPI VALLEY CREDIT UNION 61 out of 100, Moderate | 5 | 0.5% | 14.5% |
| 35 | The Havana National Bank 55 out of 100, Moderate | 5 | 0.5% | 18.5% |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.5% | — |
| 37 | ROYAL UNITED MORTGAGE LLC | 5 | 0.5% | — |
| 38 | Prairie State Bank and Trust 80 out of 100, Strong | 4 | 0.4% | 3.9% |
| 39 | LEADERONE FINANCIAL CORPORATION | 4 | 0.4% | — |
| 40 | NEW DAY FINANCIAL, LLC | 4 | 0.4% | — |
Top 40 of 115 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