Illinois · HMDA 2025
Mortgage lenders in McLean County, IL
269 lenders reported 6,052 home-loan applications in McLean County in 2025. 3,473 closed as loans ($724.8M), 658 were denied — a 15.4% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 24% of applications, led by FIRST STATE MORTGAGE SERVICES, LLC. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,052
- Loans originated
- 3,473
- Purchase / refinance
- 1,961 / 917
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McLean County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FIRST STATE MORTGAGE SERVICES, LLC | 764 | 12.6% | — |
| 2 | CITIZENS EQUITY FIRST | 439 | 7.3% | — |
| 3 | PNC Bank, National Association 62 out of 100, Moderate | 278 | 4.6% | 33.8% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 243 | 4.0% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 242 | 4.0% | 39.5% |
| 6 | Rocket Mortgage, LLC | 236 | 3.9% | — |
| 7 | Morton Community Bank 72 out of 100, Strong | 181 | 3.0% | 11.4% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 149 | 2.5% | 14.1% |
| 9 | NATIONSTAR MORTGAGE LLC | 149 | 2.5% | — |
| 10 | Heartland Bank and Trust Company 80 out of 100, Strong | 142 | 2.3% | 17.2% |
| 11 | NEWREZ LLC | 136 | 2.2% | — |
| 12 | Busey Bank 74 out of 100, Strong | 135 | 2.2% | 13.9% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 124 | 2.0% | — |
| 14 | First State Bank 69 out of 100, Moderate | 123 | 2.0% | 7.3% |
| 15 | POINT MORTGAGE CORPORATION | 122 | 2.0% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 121 | 2.0% | — |
| 17 | ILLINOIS STATE | 120 | 2.0% | — |
| 18 | Synergy One Lending, Inc. | 114 | 1.9% | — |
| 19 | Commerce Bank 76 out of 100, Strong | 108 | 1.8% | 33.2% |
| 20 | 21st Mortgage Corporation | 93 | 1.5% | — |
| 21 | PLANET HOME LENDING, LLC | 89 | 1.5% | — |
| 22 | Mortgage Research Center, LLC | 81 | 1.3% | — |
| 23 | GUILD MORTGAGE COMPANY | 69 | 1.1% | — |
| 24 | Flanagan State Bank 67 out of 100, Moderate | 67 | 1.1% | 14.2% |
| 25 | FREEDOM MORTGAGE CORPORATION | 59 | 1.0% | — |
| 26 | Citizens Bank, National Association 54 out of 100, Below average | 54 | 0.9% | 32.5% |
| 27 | IAA Credit Union 84 out of 100, Strong | 48 | 0.8% | 8.0% |
| 28 | Ixonia Bank 67 out of 100, Moderate | 47 | 0.8% | 4.7% |
| 29 | Broker Solutions, Inc. | 46 | 0.8% | — |
| 30 | FLAT BRANCH MORTGAGE, INC. | 42 | 0.7% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 42 | 0.7% | 3.0% |
| 32 | COMPASS MORTGAGE, INC. | 41 | 0.7% | — |
| 33 | Regions Bank 64 out of 100, Moderate | 40 | 0.7% | 43.1% |
| 34 | FIGURE LENDING LLC | 40 | 0.7% | — |
| 35 | First State Bank and Trust 73 out of 100, Strong | 38 | 0.6% | 5.9% |
| 36 | Discover Bank | 37 | 0.6% | — |
| 37 | AmeriSave Mortgage Corporation | 37 | 0.6% | — |
| 38 | GUARANTEED RATE, INC. | 34 | 0.6% | — |
| 39 | Prairie State Bank and Trust 80 out of 100, Strong | 31 | 0.5% | 3.9% |
| 40 | Navy Federal Credit Union 66 out of 100, Moderate | 30 | 0.5% | 32.9% |
Top 40 of 269 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