Illinois · HMDA 2025
Mortgage lenders in Monroe County, IL
142 lenders reported 1,426 home-loan applications in Monroe County in 2025. 851 closed as loans ($197.2M), 163 were denied — a 15.4% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 19% of applications, led by GUARANTEED RATE, INC.. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,426
- Loans originated
- 851
- Purchase / refinance
- 432 / 249
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Monroe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GUARANTEED RATE, INC. | 96 | 6.7% | — |
| 2 | Fairway Independent Mortgage Corporation | 92 | 6.5% | — |
| 3 | First National Bank of Waterloo 60 out of 100, Moderate | 82 | 5.8% | 2.7% |
| 4 | State Bank 52 out of 100, Below average | 64 | 4.5% | 16.3% |
| 5 | SCOTT CREDIT UNION 71 out of 100, Strong | 56 | 3.9% | 23.3% |
| 6 | Regions Bank 64 out of 100, Moderate | 54 | 3.8% | 43.1% |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 48 | 3.4% | 14.1% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 46 | 3.2% | — |
| 9 | Rocket Mortgage, LLC | 45 | 3.2% | — |
| 10 | FCB Banks 66 out of 100, Moderate | 43 | 3.0% | 9.4% |
| 11 | Mortgage Research Center, LLC | 39 | 2.7% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 37 | 2.6% | — |
| 13 | FIRST COMMUNITY | 37 | 2.6% | — |
| 14 | U.S. Bank National Association 55 out of 100, Moderate | 30 | 2.1% | 39.5% |
| 15 | NEWREZ LLC | 28 | 2.0% | — |
| 16 | Broker Solutions, Inc. | 28 | 2.0% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 23 | 1.6% | — |
| 18 | Dieterich Bank 46 out of 100, Below average | 22 | 1.5% | 8.8% |
| 19 | LAKEVIEW LOAN SERVICING, LLC | 20 | 1.4% | — |
| 20 | Bank of America, National Association 59 out of 100, Moderate | 19 | 1.3% | 44.7% |
| 21 | Associated Bank, National Association | 19 | 1.3% | — |
| 22 | Midland States Bank 62 out of 100, Moderate | 18 | 1.3% | 27.2% |
| 23 | DELMAR FINANCIAL COMPANY | 17 | 1.2% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 17 | 1.2% | — |
| 25 | TOGETHER CREDIT UNION 64 out of 100, Moderate | 16 | 1.1% | 19.4% |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 1.0% | 32.9% |
| 27 | ENDEAVOR CAPITAL, LLC. | 14 | 1.0% | — |
| 28 | Buena Vista National Bank 77 out of 100, Strong | 14 | 1.0% | 4.3% |
| 29 | Coastal Community Bank 35 out of 100, Low | 13 | 0.9% | 3.0% |
| 30 | Truist Bank 63 out of 100, Moderate | 12 | 0.8% | 40.8% |
| 31 | Stifel Bank and Trust 59 out of 100, Moderate | 12 | 0.8% | 2.3% |
| 32 | Discover Bank | 11 | 0.8% | — |
| 33 | GUILD MORTGAGE COMPANY | 11 | 0.8% | — |
| 34 | Commerce Bank 76 out of 100, Strong | 11 | 0.8% | 33.2% |
| 35 | FIGURE LENDING LLC | 10 | 0.7% | — |
| 36 | The Central Trust Bank 69 out of 100, Moderate | 10 | 0.7% | 10.4% |
| 37 | AmeriSave Mortgage Corporation | 9 | 0.6% | — |
| 38 | SOFI BANK, NATIONAL ASSOCIATION | 9 | 0.6% | — |
| 39 | Carrollton Bank 58 out of 100, Moderate | 9 | 0.6% | 7.4% |
| 40 | Bankers' Bank 69 out of 100, Moderate | 9 | 0.6% | 13.0% |
Top 40 of 142 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