Illinois · HMDA 2025
Mortgage lenders in Montgomery County, IL
109 lenders reported 629 home-loan applications in Montgomery County in 2025. 333 closed as loans ($43.6M), 100 were denied — a 22.5% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 24% of applications, led by Bank & Trust Company. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 629
- Loans originated
- 333
- Purchase / refinance
- 225 / 76
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montgomery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bank & Trust Company | 77 | 12.2% | — |
| 2 | Rocket Mortgage, LLC | 46 | 7.3% | — |
| 3 | Bank of Hillsboro, National Association | 31 | 4.9% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 30 | 4.8% | — |
| 5 | SCOTT CREDIT UNION 71 out of 100, Strong | 29 | 4.6% | 23.3% |
| 6 | CNB Bank And Trust, N.A. | 28 | 4.5% | — |
| 7 | Mortgage Research Center, LLC | 27 | 4.3% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 21 | 3.3% | 39.5% |
| 9 | Broker Solutions, Inc. | 19 | 3.0% | — |
| 10 | NEWREZ LLC | 12 | 1.9% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 1.9% | 14.1% |
| 12 | FREEDOM MORTGAGE CORPORATION | 12 | 1.9% | — |
| 13 | CITIZENS EQUITY FIRST | 11 | 1.7% | — |
| 14 | ENDEAVOR CAPITAL, LLC. | 10 | 1.6% | — |
| 15 | United Community Bank 72 out of 100, Strong | 10 | 1.6% | 10.6% |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | 1.4% | — |
| 17 | FCB Banks 66 out of 100, Moderate | 8 | 1.3% | 9.4% |
| 18 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 1.1% | — |
| 19 | Regions Bank 64 out of 100, Moderate | 7 | 1.1% | 43.1% |
| 20 | 1ST MIDAMERICA CREDIT UNION 64 out of 100, Moderate | 7 | 1.1% | 22.6% |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 1.0% | 32.9% |
| 22 | 21st Mortgage Corporation | 6 | 1.0% | — |
| 23 | AmeriSave Mortgage Corporation | 6 | 1.0% | — |
| 24 | Petefish, Skiles & Co. 75 out of 100, Strong | 6 | 1.0% | 17.9% |
| 25 | The FNB Community Bank 76 out of 100, Strong | 6 | 1.0% | 9.7% |
| 26 | The Bradford National Bank of Greenville 58 out of 100, Moderate | 6 | 1.0% | 5.4% |
| 27 | FLAT BRANCH MORTGAGE, INC. | 6 | 1.0% | — |
| 28 | The First National Bank of Raymond 78 out of 100, Strong | 6 | 1.0% | 14.3% |
| 29 | GUILD MORTGAGE COMPANY | 5 | 0.8% | — |
| 30 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 5 | 0.8% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 0.8% | — |
| 32 | Heartland Bank and Trust Company 80 out of 100, Strong | 5 | 0.8% | 17.2% |
| 33 | Loandepot.Com, LLC | 4 | 0.6% | — |
| 34 | FIGURE LENDING LLC | 4 | 0.6% | — |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.6% | — |
| 36 | Equity Prime Mortgage LLC | 4 | 0.6% | — |
| 37 | Busey Bank 74 out of 100, Strong | 4 | 0.6% | 13.9% |
| 38 | NEW DAY FINANCIAL, LLC | 4 | 0.6% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.6% | — |
| 40 | Midland States Bank 62 out of 100, Moderate | 4 | 0.6% | 27.2% |
Top 40 of 109 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