Illinois · HMDA 2025
Mortgage lenders in Gallatin County, IL
38 lenders reported 105 home-loan applications in Gallatin County in 2025. 39 closed as loans ($4.9M), 32 were denied — a 42.7% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 32% of applications, led by Rocket Mortgage, LLC. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 105
- Loans originated
- 39
- Purchase / refinance
- 25 / 11
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gallatin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 14 | 13.3% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 12.4% | — |
| 3 | NEW DAY FINANCIAL, LLC | 7 | 6.7% | — |
| 4 | 21st Mortgage Corporation | 6 | 5.7% | — |
| 5 | Legence Bank 70 out of 100, Strong | 6 | 5.7% | 19.3% |
| 6 | Banterra Bank 66 out of 100, Moderate | 5 | 4.8% | 16.1% |
| 7 | Peoples National Bank , N.A. 62 out of 100, Moderate | 5 | 4.8% | 13.7% |
| 8 | GUILD MORTGAGE COMPANY | 4 | 3.8% | — |
| 9 | Fifth Third Bank, National Association 62 out of 100, Moderate | 4 | 3.8% | 34.0% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 2.9% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 3 | 2.9% | — |
| 12 | Regions Bank 64 out of 100, Moderate | 2 | 1.9% | 43.1% |
| 13 | AmeriSave Mortgage Corporation | 2 | 1.9% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 1.9% | — |
| 15 | TRIAD FINANCIAL SERVICES, INC. | 2 | 1.9% | — |
| 16 | Mortgage Research Center, LLC | 2 | 1.9% | — |
| 17 | Heritage Federal Credit Union 77 out of 100, Strong | 2 | 1.9% | 21.5% |
| 18 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 1.9% | — |
| 19 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 2 | 1.9% | 22.9% |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 1.0% | 14.1% |
| 21 | Fairway Independent Mortgage Corporation | 1 | 1.0% | — |
| 22 | Loandepot.Com, LLC | 1 | 1.0% | — |
| 23 | Discover Bank | 1 | 1.0% | — |
| 24 | GUARANTEED RATE, INC. | 1 | 1.0% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 1.0% | — |
| 26 | SCOTT CREDIT UNION 71 out of 100, Strong | 1 | 1.0% | 23.3% |
| 27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 1.0% | — |
| 28 | Mortgage Right | 1 | 1.0% | — |
| 29 | SayGO Home Loans, LLC | 1 | 1.0% | — |
| 30 | Old National Bank 59 out of 100, Moderate | 1 | 1.0% | 22.1% |
| 31 | PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | 1.0% | — |
| 32 | Servion, Inc. | 1 | 1.0% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 1 | 1.0% | — |
| 34 | STOCKTON MORTGAGE CORPORATION | 1 | 1.0% | — |
| 35 | MISSION LOANS, LLC | 1 | 1.0% | — |
| 36 | Farmers State Bank of Alto Pass, Ill. | 1 | 1.0% | — |
| 37 | German American Bank 75 out of 100, Strong | 1 | 1.0% | 17.2% |
| 38 | Coastal Community Bank 35 out of 100, Low | 1 | 1.0% | 3.0% |
Top 38 of 38 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