Illinois · HMDA 2025
Mortgage lenders in Lee County, IL
135 lenders reported 830 home-loan applications in Lee County in 2025. 445 closed as loans ($66.6M), 117 were denied — a 19.7% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 25% of applications, led by Sauk Valley Bank & Trust Company. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 830
- Loans originated
- 445
- Purchase / refinance
- 261 / 104
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lee County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Sauk Valley Bank & Trust Company 57 out of 100, Moderate | 85 | 10.2% | 8.8% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 71 | 8.6% | 39.5% |
| 3 | Rocket Mortgage, LLC | 53 | 6.4% | — |
| 4 | GUARANTEED RATE, INC. | 26 | 3.1% | — |
| 5 | GUILD MORTGAGE COMPANY | 25 | 3.0% | — |
| 6 | Midland States Bank 62 out of 100, Moderate | 25 | 3.0% | 27.2% |
| 7 | First State Bank 69 out of 100, Moderate | 23 | 2.8% | 7.3% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 22 | 2.7% | — |
| 9 | Mortgage Research Center, LLC | 20 | 2.4% | — |
| 10 | Central Bank Illinois 55 out of 100, Moderate | 20 | 2.4% | 3.1% |
| 11 | Fifth Third Bank, National Association 62 out of 100, Moderate | 20 | 2.4% | 34.0% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 2.3% | 14.1% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 1.9% | — |
| 14 | Broker Solutions, Inc. | 14 | 1.7% | — |
| 15 | NEWREZ LLC | 13 | 1.6% | — |
| 16 | AmeriSave Mortgage Corporation | 12 | 1.4% | — |
| 17 | TOWNE MORTGAGE COMPANY | 12 | 1.4% | — |
| 18 | Coastal Community Bank 35 out of 100, Low | 12 | 1.4% | 3.0% |
| 19 | Fairway Independent Mortgage Corporation | 11 | 1.3% | — |
| 20 | ENVOY MORTGAGE, LTD | 11 | 1.3% | — |
| 21 | FIGURE LENDING LLC | 10 | 1.2% | — |
| 22 | Holcomb Bank 72 out of 100, Strong | 10 | 1.2% | 5.1% |
| 23 | Loandepot.Com, LLC | 9 | 1.1% | — |
| 24 | PLANET HOME LENDING, LLC | 9 | 1.1% | — |
| 25 | COMPEER FINANCIAL, FLCA | 9 | 1.1% | — |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.8% | — |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.8% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 7 | 0.8% | — |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.8% | — |
| 30 | 21st Mortgage Corporation | 6 | 0.7% | — |
| 31 | BMO Bank National Association 83 out of 100, Strong | 6 | 0.7% | 40.5% |
| 32 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.7% | — |
| 33 | Eureka Savings Bank 61 out of 100, Moderate | 6 | 0.7% | 7.6% |
| 34 | NATIONSTAR MORTGAGE LLC | 6 | 0.7% | — |
| 35 | NEW DAY FINANCIAL, LLC | 6 | 0.7% | — |
| 36 | FINANCIAL PLUS CREDIT UNION | 6 | 0.7% | — |
| 37 | CMG MORTGAGE, INC. | 5 | 0.6% | — |
| 38 | TRIAD FINANCIAL SERVICES, INC. | 5 | 0.6% | — |
| 39 | Flanagan State Bank 67 out of 100, Moderate | 5 | 0.6% | 14.2% |
| 40 | Byron Bank 69 out of 100, Moderate | 5 | 0.6% | 9.1% |
Top 40 of 135 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