Illinois · HMDA 2025
Mortgage lenders in Piatt County, IL
110 lenders reported 621 home-loan applications in Piatt County in 2025. 400 closed as loans ($78.3M), 60 were denied — a 12.7% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 21% of applications, led by First State Bank and Trust. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 621
- Loans originated
- 400
- Purchase / refinance
- 255 / 104
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Piatt County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First State Bank and Trust 73 out of 100, Strong | 49 | 7.9% | 5.9% |
| 2 | Rocket Mortgage, LLC | 43 | 6.9% | — |
| 3 | Broker Solutions, Inc. | 41 | 6.6% | — |
| 4 | FLAT BRANCH MORTGAGE, INC. | 25 | 4.0% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 24 | 3.9% | — |
| 6 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 22 | 3.5% | 22.9% |
| 7 | Busey Bank 74 out of 100, Strong | 21 | 3.4% | 13.9% |
| 8 | State Bank of Bement 67 out of 100, Moderate | 21 | 3.4% | 10.0% |
| 9 | University of Illinois Community Credit Union 67 out of 100, Moderate | 19 | 3.1% | 6.6% |
| 10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 2.7% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 15 | 2.4% | 14.1% |
| 12 | Mortgage Research Center, LLC | 15 | 2.4% | — |
| 13 | First State Bank of Forrest 49 out of 100, Below average | 13 | 2.1% | 6.1% |
| 14 | PNC Bank, National Association 62 out of 100, Moderate | 12 | 1.9% | 33.8% |
| 15 | CITIZENS EQUITY FIRST | 12 | 1.9% | — |
| 16 | Morton Community Bank 72 out of 100, Strong | 11 | 1.8% | 11.4% |
| 17 | The Fisher National Bank 59 out of 100, Moderate | 11 | 1.8% | 2.3% |
| 18 | NEWREZ LLC | 10 | 1.6% | — |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 1.3% | 39.5% |
| 20 | Prairie State Bank and Trust 80 out of 100, Strong | 8 | 1.3% | 3.9% |
| 21 | FREEDOM MORTGAGE CORPORATION | 8 | 1.3% | — |
| 22 | Longview Bank 62 out of 100, Moderate | 8 | 1.3% | 2.1% |
| 23 | SPRING EQ, LLC | 7 | 1.1% | — |
| 24 | First Federal Savings Bank of Champaign Urbana 90 out of 100, Very strong | 7 | 1.1% | 0.9% |
| 25 | PLANET HOME LENDING, LLC | 7 | 1.1% | — |
| 26 | DECATUR EARTHMOVER CREDIT UNION 70 out of 100, Strong | 7 | 1.1% | 17.4% |
| 27 | AmeriSave Mortgage Corporation | 6 | 1.0% | — |
| 28 | INB, National Association 62 out of 100, Moderate | 6 | 1.0% | 5.0% |
| 29 | NATIONSTAR MORTGAGE LLC | 6 | 1.0% | — |
| 30 | Hickory Point Bank and Trust 77 out of 100, Strong | 6 | 1.0% | 5.9% |
| 31 | VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | 0.8% | — |
| 32 | Loandepot.Com, LLC | 5 | 0.8% | — |
| 33 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 0.8% | — |
| 34 | Regions Bank 64 out of 100, Moderate | 5 | 0.8% | 43.1% |
| 35 | TruHome Solutions, LLC | 5 | 0.8% | — |
| 36 | Bank of Springfield 55 out of 100, Moderate | 5 | 0.8% | 7.7% |
| 37 | 21st Mortgage Corporation | 4 | 0.6% | — |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.6% | — |
| 39 | LOWER, LLC | 4 | 0.6% | — |
| 40 | ROYAL UNITED MORTGAGE LLC | 4 | 0.6% | — |
Top 40 of 110 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