Illinois · HMDA 2025
Mortgage lenders in McDonough County, IL
96 lenders reported 571 home-loan applications in McDonough County in 2025. 332 closed as loans ($37.8M), 80 were denied — a 18.8% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 37% of applications, led by United Community Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 571
- Loans originated
- 332
- Purchase / refinance
- 220 / 59
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McDonough County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | United Community Bank 72 out of 100, Strong | 90 | 15.8% | 10.6% |
| 2 | Morton Community Bank 72 out of 100, Strong | 82 | 14.4% | 11.4% |
| 3 | MidAmerica National Bank 42 out of 100, Below average | 38 | 6.7% | 23.8% |
| 4 | Rocket Mortgage, LLC | 26 | 4.6% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 23 | 4.0% | — |
| 6 | Mortgage Research Center, LLC | 23 | 4.0% | — |
| 7 | Flanagan State Bank 67 out of 100, Moderate | 19 | 3.3% | 14.2% |
| 8 | FLAT BRANCH MORTGAGE, INC. | 15 | 2.6% | — |
| 9 | Broker Solutions, Inc. | 12 | 2.1% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 11 | 1.9% | 39.5% |
| 11 | First Bankers Trust Company, National Association 57 out of 100, Moderate | 10 | 1.8% | 9.4% |
| 12 | Midwest Bank 66 out of 100, Moderate | 9 | 1.6% | 2.9% |
| 13 | PLANET HOME LENDING, LLC | 9 | 1.6% | — |
| 14 | COMPEER FINANCIAL, FLCA | 9 | 1.6% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 9 | 1.6% | — |
| 16 | I. H. MISSISSIPPI VALLEY CREDIT UNION 61 out of 100, Moderate | 7 | 1.2% | 14.5% |
| 17 | CITIZENS EQUITY FIRST | 7 | 1.2% | — |
| 18 | Empeople Credit Union 58 out of 100, Moderate | 6 | 1.1% | 25.7% |
| 19 | NEWREZ LLC | 5 | 0.9% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.9% | 14.1% |
| 21 | Fairway Independent Mortgage Corporation | 5 | 0.9% | — |
| 22 | AmeriSave Mortgage Corporation | 5 | 0.9% | — |
| 23 | Petefish, Skiles & Co. 75 out of 100, Strong | 5 | 0.9% | 17.9% |
| 24 | CBI Bank & Trust | 5 | 0.9% | — |
| 25 | NEW DAY FINANCIAL, LLC | 5 | 0.9% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 0.9% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 5 | 0.9% | 3.0% |
| 28 | Heartland Bank and Trust Company 80 out of 100, Strong | 5 | 0.9% | 17.2% |
| 29 | Loandepot.Com, LLC | 4 | 0.7% | — |
| 30 | FIGURE LENDING LLC | 4 | 0.7% | — |
| 31 | Ipava State Bank 73 out of 100, Strong | 4 | 0.7% | 13.8% |
| 32 | ROYAL UNITED MORTGAGE LLC | 4 | 0.7% | — |
| 33 | MOVEMENT MORTGAGE, LLC | 3 | 0.5% | — |
| 34 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 0.5% | — |
| 35 | Discover Bank | 3 | 0.5% | — |
| 36 | GUARANTEED RATE, INC. | 3 | 0.5% | — |
| 37 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.5% | 33.8% |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.5% | — |
| 39 | Fortress Bank 47 out of 100, Below average | 3 | 0.5% | 0.0% |
| 40 | Old National Bank 59 out of 100, Moderate | 3 | 0.5% | 22.1% |
Top 40 of 96 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