Illinois · HMDA 2025
Mortgage lenders in Sangamon County, IL
269 lenders reported 7,080 home-loan applications in Sangamon County in 2025. 4,516 closed as loans ($781.4M), 866 were denied — a 15.6% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 24% of applications, led by INB, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,080
- Loans originated
- 4,516
- Purchase / refinance
- 2,690 / 1,182
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Sangamon County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | INB, National Association 62 out of 100, Moderate | 665 | 9.4% | 5.0% |
| 2 | United Community Bank 72 out of 100, Strong | 536 | 7.6% | 10.6% |
| 3 | Bank of Springfield 55 out of 100, Moderate | 495 | 7.0% | 7.7% |
| 4 | HEARTLAND | 384 | 5.4% | — |
| 5 | CITIZENS EQUITY FIRST | 377 | 5.3% | — |
| 6 | Rocket Mortgage, LLC | 232 | 3.3% | — |
| 7 | Morton Community Bank 72 out of 100, Strong | 230 | 3.2% | 11.4% |
| 8 | Alliance Community Bank 70 out of 100, Strong | 208 | 2.9% | 7.9% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 199 | 2.8% | — |
| 10 | PNC Bank, National Association 62 out of 100, Moderate | 193 | 2.7% | 33.8% |
| 11 | Heartland Bank and Trust Company 80 out of 100, Strong | 184 | 2.6% | 17.2% |
| 12 | GUARANTEED RATE, INC. | 178 | 2.5% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 173 | 2.4% | 39.5% |
| 14 | 21st Mortgage Corporation | 162 | 2.3% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 151 | 2.1% | 14.1% |
| 16 | TRIAD FINANCIAL SERVICES, INC. | 118 | 1.7% | — |
| 17 | Mortgage Research Center, LLC | 112 | 1.6% | — |
| 18 | Broker Solutions, Inc. | 107 | 1.5% | — |
| 19 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 106 | 1.5% | — |
| 20 | Security Bank, s.b. 70 out of 100, Strong | 105 | 1.5% | 5.7% |
| 21 | Carrollton Bank 58 out of 100, Moderate | 100 | 1.4% | 7.4% |
| 22 | FREEDOM MORTGAGE CORPORATION | 97 | 1.4% | — |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 94 | 1.3% | — |
| 24 | Prairie State Bank and Trust 80 out of 100, Strong | 76 | 1.1% | 3.9% |
| 25 | FLAT BRANCH MORTGAGE, INC. | 75 | 1.1% | — |
| 26 | PLANET HOME LENDING, LLC | 69 | 1.0% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 68 | 1.0% | 3.0% |
| 28 | Warren-Boynton State Bank | 61 | 0.9% | — |
| 29 | Hickory Point Bank and Trust 77 out of 100, Strong | 61 | 0.9% | 5.9% |
| 30 | Regions Bank 64 out of 100, Moderate | 58 | 0.8% | 43.1% |
| 31 | Bank & Trust Company | 54 | 0.8% | — |
| 32 | AmeriSave Mortgage Corporation | 53 | 0.7% | — |
| 33 | NEWREZ LLC | 52 | 0.7% | — |
| 34 | LEADERONE FINANCIAL CORPORATION | 44 | 0.6% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 44 | 0.6% | — |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 38 | 0.5% | 32.9% |
| 37 | West Central Bank 60 out of 100, Moderate | 37 | 0.5% | 2.2% |
| 38 | Loandepot.Com, LLC | 34 | 0.5% | — |
| 39 | Williamsville State Bank & Trust 73 out of 100, Strong | 33 | 0.5% | 2.7% |
| 40 | SOFI BANK, NATIONAL ASSOCIATION | 32 | 0.5% | — |
Top 40 of 269 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
- Peoria County 6,053 apps
- McLean County 6,052 apps