Illinois · HMDA 2025
Mortgage lenders in Livingston County, IL
136 lenders reported 1,178 home-loan applications in Livingston County in 2025. 719 closed as loans ($97.4M), 162 were denied — a 17.5% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 28% of applications, led by Bank of Pontiac. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,178
- Loans originated
- 719
- Purchase / refinance
- 409 / 199
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Livingston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bank of Pontiac 72 out of 100, Strong | 161 | 13.7% | 2.3% |
| 2 | First State Bank of Forrest 49 out of 100, Below average | 113 | 9.6% | 6.1% |
| 3 | STREATOR ONIZED CREDIT UNION 84 out of 100, Strong | 50 | 4.2% | 28.2% |
| 4 | Loandepot.Com, LLC | 43 | 3.7% | — |
| 5 | Rocket Mortgage, LLC | 38 | 3.2% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 32 | 2.7% | 39.5% |
| 7 | Flanagan State Bank 67 out of 100, Moderate | 31 | 2.6% | 14.2% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 30 | 2.5% | — |
| 9 | 21st Mortgage Corporation | 26 | 2.2% | — |
| 10 | GUARANTEED RATE, INC. | 26 | 2.2% | — |
| 11 | United Community Bank 72 out of 100, Strong | 25 | 2.1% | 10.6% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 23 | 2.0% | 14.1% |
| 13 | CITIZENS EQUITY FIRST | 23 | 2.0% | — |
| 14 | Mortgage Research Center, LLC | 22 | 1.9% | — |
| 15 | Vermilion Valley Bank 96 out of 100, Very strong | 19 | 1.6% | 0.0% |
| 16 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 1.5% | — |
| 17 | FIRST STATE MORTGAGE SERVICES, LLC | 18 | 1.5% | — |
| 18 | First Financial Bank, National Association 68 out of 100, Moderate | 16 | 1.4% | 28.8% |
| 19 | COMPEER FINANCIAL, FLCA | 16 | 1.4% | — |
| 20 | AmeriSave Mortgage Corporation | 15 | 1.3% | — |
| 21 | PLANET HOME LENDING, LLC | 15 | 1.3% | — |
| 22 | Morton Community Bank 72 out of 100, Strong | 15 | 1.3% | 11.4% |
| 23 | NEWREZ LLC | 12 | 1.0% | — |
| 24 | Broker Solutions, Inc. | 12 | 1.0% | — |
| 25 | FLAT BRANCH MORTGAGE, INC. | 12 | 1.0% | — |
| 26 | Midland States Bank 62 out of 100, Moderate | 12 | 1.0% | 27.2% |
| 27 | Coastal Community Bank 35 out of 100, Low | 12 | 1.0% | 3.0% |
| 28 | VANDERBILT MORTGAGE AND FINANCE, INC. | 11 | 0.9% | — |
| 29 | PNC Bank, National Association 62 out of 100, Moderate | 11 | 0.9% | 33.8% |
| 30 | NEW DAY FINANCIAL, LLC | 11 | 0.9% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 10 | 0.8% | — |
| 32 | TRIAD FINANCIAL SERVICES, INC. | 9 | 0.8% | — |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 0.8% | — |
| 34 | Peoples National Bank of Kewanee 48 out of 100, Below average | 9 | 0.8% | 18.9% |
| 35 | Discover Bank | 8 | 0.7% | — |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.7% | — |
| 37 | Synergy One Lending, Inc. | 8 | 0.7% | — |
| 38 | SOFI BANK, NATIONAL ASSOCIATION | 8 | 0.7% | — |
| 39 | Old National Bank 59 out of 100, Moderate | 8 | 0.7% | 22.1% |
| 40 | NATIONSTAR MORTGAGE LLC | 8 | 0.7% | — |
Top 40 of 136 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