Illinois · HMDA 2025
Mortgage lenders in Mercer County, IL
91 lenders reported 557 home-loan applications in Mercer County in 2025. 315 closed as loans ($42.6M), 76 were denied — a 18.7% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 21% of applications, led by CBI Bank & Trust. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 557
- Loans originated
- 315
- Purchase / refinance
- 184 / 88
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mercer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CBI Bank & Trust | 49 | 8.8% | — |
| 2 | I. H. MISSISSIPPI VALLEY CREDIT UNION 61 out of 100, Moderate | 37 | 6.6% | 14.5% |
| 3 | Broker Solutions, Inc. | 29 | 5.2% | — |
| 4 | GREENSTATE Credit Union 50 out of 100, Below average | 27 | 4.8% | 10.1% |
| 5 | Rocket Mortgage, LLC | 24 | 4.3% | — |
| 6 | NEWREZ LLC | 20 | 3.6% | — |
| 7 | Blackhawk Bank & Trust 76 out of 100, Strong | 20 | 3.6% | 12.4% |
| 8 | Empeople Credit Union 58 out of 100, Moderate | 18 | 3.2% | 25.7% |
| 9 | Midwest Bank 66 out of 100, Moderate | 18 | 3.2% | 2.9% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 16 | 2.9% | — |
| 11 | BANKORION 60 out of 100, Moderate | 14 | 2.5% | 6.4% |
| 12 | R.I.A. Federal Credit Union 62 out of 100, Moderate | 14 | 2.5% | 25.1% |
| 13 | MARINE CREDIT UNION 53 out of 100, Below average | 14 | 2.5% | 44.9% |
| 14 | GUARANTEED RATE, INC. | 13 | 2.3% | — |
| 15 | Mortgage Research Center, LLC | 13 | 2.3% | — |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 12 | 2.2% | 39.5% |
| 17 | AmeriSave Mortgage Corporation | 11 | 2.0% | — |
| 18 | PLANET HOME LENDING, LLC | 11 | 2.0% | — |
| 19 | RUHL MORTGAGE, LLC | 10 | 1.8% | — |
| 20 | ASCENTRA Credit Union 63 out of 100, Moderate | 10 | 1.8% | 18.5% |
| 21 | LOWER, LLC | 9 | 1.6% | — |
| 22 | Fairway Independent Mortgage Corporation | 8 | 1.4% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.4% | — |
| 24 | Plains Commerce Bank 59 out of 100, Moderate | 8 | 1.4% | 10.0% |
| 25 | SPRING EQ, LLC | 7 | 1.3% | — |
| 26 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.1% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 1.1% | — |
| 28 | COMPEER FINANCIAL, FLCA | 6 | 1.1% | — |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.9% | 14.1% |
| 30 | SUCCESS MORTGAGE PARTNERS, INC. | 5 | 0.9% | — |
| 31 | Loandepot.Com, LLC | 4 | 0.7% | — |
| 32 | Kiavi Funding, Inc. | 4 | 0.7% | — |
| 33 | American Bank and Trust Company, National Association 61 out of 100, Moderate | 4 | 0.7% | 6.9% |
| 34 | NATIONSTAR MORTGAGE LLC | 4 | 0.7% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.7% | — |
| 36 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.5% | 22.2% |
| 37 | Flanagan State Bank 67 out of 100, Moderate | 3 | 0.5% | 14.2% |
| 38 | Servion, Inc. | 3 | 0.5% | — |
| 39 | Granite Bank 53 out of 100, Below average | 3 | 0.5% | 6.2% |
| 40 | FREEDOM MORTGAGE CORPORATION | 3 | 0.5% | — |
Top 40 of 91 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