Illinois · HMDA 2025
Mortgage lenders in Madison County, IL
336 lenders reported 11,927 home-loan applications in Madison County in 2025. 6,489 closed as loans ($1.2B), 1,583 were denied — a 18.9% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 15% of applications, led by FCB Banks. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 11,927
- Loans originated
- 6,489
- Purchase / refinance
- 3,511 / 1,703
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FCB Banks 66 out of 100, Moderate | 760 | 6.4% | 9.4% |
| 2 | Regions Bank 64 out of 100, Moderate | 533 | 4.5% | 43.1% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 507 | 4.3% | 39.5% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 486 | 4.1% | — |
| 5 | Broker Solutions, Inc. | 481 | 4.0% | — |
| 6 | 1ST MIDAMERICA CREDIT UNION 64 out of 100, Moderate | 418 | 3.5% | 22.6% |
| 7 | SCOTT CREDIT UNION 71 out of 100, Strong | 402 | 3.4% | 23.3% |
| 8 | Rocket Mortgage, LLC | 353 | 3.0% | — |
| 9 | Carrollton Bank 58 out of 100, Moderate | 329 | 2.8% | 7.4% |
| 10 | Mortgage Research Center, LLC | 287 | 2.4% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 267 | 2.2% | — |
| 12 | NEWREZ LLC | 261 | 2.2% | — |
| 13 | Busey Bank 74 out of 100, Strong | 254 | 2.1% | 13.9% |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 252 | 2.1% | 14.1% |
| 15 | ENDEAVOR CAPITAL, LLC. | 252 | 2.1% | — |
| 16 | GCS Credit Union | 220 | 1.8% | — |
| 17 | DELMAR FINANCIAL COMPANY | 203 | 1.7% | — |
| 18 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 198 | 1.7% | 22.9% |
| 19 | United Community Bank 72 out of 100, Strong | 181 | 1.5% | 10.6% |
| 20 | Zippy Loans, LLC | 175 | 1.5% | — |
| 21 | AMERICAN PACIFIC MORTGAGE CORPORATION | 173 | 1.5% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 157 | 1.3% | — |
| 23 | 21st Mortgage Corporation | 154 | 1.3% | — |
| 24 | FLAT BRANCH MORTGAGE, INC. | 152 | 1.3% | — |
| 25 | PLANET HOME LENDING, LLC | 146 | 1.2% | — |
| 26 | FREEDOM MORTGAGE CORPORATION | 143 | 1.2% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 136 | 1.1% | 32.9% |
| 28 | AmeriSave Mortgage Corporation | 136 | 1.1% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 132 | 1.1% | — |
| 30 | FIRST COMMUNITY | 130 | 1.1% | — |
| 31 | GUILD MORTGAGE COMPANY | 123 | 1.0% | — |
| 32 | FIGURE LENDING LLC | 111 | 0.9% | — |
| 33 | DAS Acquisition Company, LLC | 110 | 0.9% | — |
| 34 | Associated Bank, National Association | 105 | 0.9% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 99 | 0.8% | 44.7% |
| 36 | Bank of Springfield 55 out of 100, Moderate | 96 | 0.8% | 7.7% |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 93 | 0.8% | — |
| 38 | GUARANTEED RATE, INC. | 91 | 0.8% | — |
| 39 | LAKEVIEW LOAN SERVICING, LLC | 90 | 0.8% | — |
| 40 | Coastal Community Bank 35 out of 100, Low | 85 | 0.7% | 3.0% |
Top 40 of 336 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
- 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
- McLean County 6,052 apps