Illinois · HMDA 2025
Mortgage lenders in Putnam County, IL
69 lenders reported 189 home-loan applications in Putnam County in 2025. 103 closed as loans ($15.7M), 31 were denied — a 22.5% denial rate on decided applications, close to the Illinois rate of 21.5%. The three most active lenders handled 19% of applications, led by Rocket Mortgage, LLC. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 189
- Loans originated
- 103
- Purchase / refinance
- 51 / 31
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Putnam County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 14 | 7.4% | — |
| 2 | FIGURE LENDING LLC | 11 | 5.8% | — |
| 3 | Heartland Bank and Trust Company 80 out of 100, Strong | 11 | 5.8% | 17.2% |
| 4 | PNC Bank, National Association 62 out of 100, Moderate | 10 | 5.3% | 33.8% |
| 5 | GUARANTEED RATE, INC. | 7 | 3.7% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 3.7% | 39.5% |
| 7 | Eureka Savings Bank 61 out of 100, Moderate | 6 | 3.2% | 7.6% |
| 8 | Broker Solutions, Inc. | 5 | 2.6% | — |
| 9 | Discover Bank | 5 | 2.6% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 5 | 2.6% | — |
| 11 | FINANCIAL PLUS CREDIT UNION | 5 | 2.6% | — |
| 12 | NEWREZ LLC | 4 | 2.1% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 2.1% | 14.1% |
| 14 | OSB Community Bank | 4 | 2.1% | — |
| 15 | PLANET HOME LENDING, LLC | 4 | 2.1% | — |
| 16 | First State Bank 69 out of 100, Moderate | 4 | 2.1% | 7.3% |
| 17 | Loandepot.Com, LLC | 3 | 1.6% | — |
| 18 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 1.6% | — |
| 19 | GUILD MORTGAGE COMPANY | 3 | 1.6% | — |
| 20 | Mortgage Research Center, LLC | 3 | 1.6% | — |
| 21 | First Federal Savings Bank 57 out of 100, Moderate | 3 | 1.6% | 6.8% |
| 22 | FLAT BRANCH MORTGAGE, INC. | 3 | 1.6% | — |
| 23 | CITIZENS EQUITY FIRST | 3 | 1.6% | — |
| 24 | Central Bank Illinois 55 out of 100, Moderate | 3 | 1.6% | 3.1% |
| 25 | Coastal Community Bank 35 out of 100, Low | 3 | 1.6% | 3.0% |
| 26 | Fairway Independent Mortgage Corporation | 2 | 1.1% | — |
| 27 | STREATOR ONIZED CREDIT UNION 84 out of 100, Strong | 2 | 1.1% | 28.2% |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 1.1% | — |
| 29 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 2 | 1.1% | 35.5% |
| 30 | American Commercial Bank & Trust, National Association 66 out of 100, Moderate | 2 | 1.1% | 2.8% |
| 31 | COMPEER FINANCIAL, FLCA | 2 | 1.1% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 2 | 1.1% | — |
| 33 | ACCESS CAPITAL FUNDING, L.L.C. | 2 | 1.1% | — |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 1.1% | — |
| 35 | The Central Trust Bank 69 out of 100, Moderate | 2 | 1.1% | 10.4% |
| 36 | GREENSTATE Credit Union 50 out of 100, Below average | 2 | 1.1% | 10.1% |
| 37 | MidAmerica National Bank 42 out of 100, Below average | 2 | 1.1% | 23.8% |
| 38 | The Huntington National Bank 59 out of 100, Moderate | 1 | 0.5% | 31.6% |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.5% | 32.5% |
| 40 | MOVEMENT MORTGAGE, LLC | 1 | 0.5% | — |
Top 40 of 69 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