Illinois · HMDA 2025
Mortgage lenders in Shelby County, IL
92 lenders reported 381 home-loan applications in Shelby County in 2025. 199 closed as loans ($29.4M), 54 were denied — a 20.6% 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. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 381
- Loans originated
- 199
- Purchase / refinance
- 128 / 48
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Shelby County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 31 | 8.1% | — |
| 2 | Broker Solutions, Inc. | 22 | 5.8% | — |
| 3 | Petefish, Skiles & Co. 75 out of 100, Strong | 21 | 5.5% | 17.9% |
| 4 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 17 | 4.5% | 22.9% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 15 | 3.9% | — |
| 6 | Mortgage Research Center, LLC | 15 | 3.9% | — |
| 7 | NEWREZ LLC | 11 | 2.9% | — |
| 8 | 21st Mortgage Corporation | 10 | 2.6% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 2.6% | — |
| 10 | AmeriSave Mortgage Corporation | 9 | 2.4% | — |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | 2.1% | — |
| 12 | Regions Bank 64 out of 100, Moderate | 8 | 2.1% | 43.1% |
| 13 | PLANET HOME LENDING, LLC | 8 | 2.1% | — |
| 14 | DECATUR EARTHMOVER CREDIT UNION 70 out of 100, Strong | 7 | 1.8% | 17.4% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.6% | 14.1% |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 1.6% | 39.5% |
| 17 | First National Bank of Pana | 6 | 1.6% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 6 | 1.6% | — |
| 19 | Midland States Bank 62 out of 100, Moderate | 6 | 1.6% | 27.2% |
| 20 | Scott State Bank 86 out of 100, Very strong | 6 | 1.6% | 21.4% |
| 21 | NATIONSTAR MORTGAGE LLC | 5 | 1.3% | — |
| 22 | FLAT BRANCH MORTGAGE, INC. | 5 | 1.3% | — |
| 23 | Dieterich Bank 46 out of 100, Below average | 5 | 1.3% | 8.8% |
| 24 | Busey Bank 74 out of 100, Strong | 5 | 1.3% | 13.9% |
| 25 | NEW DAY FINANCIAL, LLC | 5 | 1.3% | — |
| 26 | CITIZENS EQUITY FIRST | 5 | 1.3% | — |
| 27 | Fifth Third Bank, National Association 62 out of 100, Moderate | 5 | 1.3% | 34.0% |
| 28 | COMMUNITY BANC MORTGAGE CORPORATION | 5 | 1.3% | — |
| 29 | Heartland Bank and Trust Company 80 out of 100, Strong | 5 | 1.3% | 17.2% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 1.0% | — |
| 31 | MidFirst Bank 34 out of 100, Low | 4 | 1.0% | 16.3% |
| 32 | Morton Community Bank 72 out of 100, Strong | 4 | 1.0% | 11.4% |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 1.0% | — |
| 34 | Loandepot.Com, LLC | 3 | 0.8% | — |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.8% | — |
| 36 | FIGURE LENDING LLC | 3 | 0.8% | — |
| 37 | Farm Credit Mid-America | 3 | 0.8% | — |
| 38 | CASTLE & COOKE MORTGAGE, LLC | 3 | 0.8% | — |
| 39 | GERSHMAN INVESTMENT CORP. | 3 | 0.8% | — |
| 40 | LOWER, LLC | 3 | 0.8% | — |
Top 40 of 92 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