Illinois · HMDA 2025
Mortgage lenders in Washington County, IL
81 lenders reported 359 home-loan applications in Washington County in 2025. 194 closed as loans ($25.4M), 60 were denied — a 22.7% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 24% of applications, led by Regions Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 359
- Loans originated
- 194
- Purchase / refinance
- 101 / 57
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Washington County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Regions Bank 64 out of 100, Moderate | 49 | 13.6% | 43.1% |
| 2 | The Farmers and Merchants National Bank of Nashville 78 out of 100, Strong | 21 | 5.8% | 7.7% |
| 3 | Rocket Mortgage, LLC | 17 | 4.7% | — |
| 4 | Broker Solutions, Inc. | 15 | 4.2% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 4.2% | 39.5% |
| 6 | FCB Banks 66 out of 100, Moderate | 14 | 3.9% | 9.4% |
| 7 | Mortgage Research Center, LLC | 13 | 3.6% | — |
| 8 | DELMAR FINANCIAL COMPANY | 13 | 3.6% | — |
| 9 | GUARANTEED RATE, INC. | 12 | 3.3% | — |
| 10 | NEWREZ LLC | 10 | 2.8% | — |
| 11 | The Bradford National Bank of Greenville 58 out of 100, Moderate | 9 | 2.5% | 5.4% |
| 12 | SCOTT CREDIT UNION 71 out of 100, Strong | 8 | 2.2% | 23.3% |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.9% | 14.1% |
| 14 | PENNYMAC LOAN SERVICES, LLC | 7 | 1.9% | — |
| 15 | First National Bank of Waterloo 60 out of 100, Moderate | 6 | 1.7% | 2.7% |
| 16 | FREEDOM MORTGAGE CORPORATION | 6 | 1.7% | — |
| 17 | VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | 1.4% | — |
| 18 | Loandepot.Com, LLC | 5 | 1.4% | — |
| 19 | Discover Bank | 5 | 1.4% | — |
| 20 | GUILD MORTGAGE COMPANY | 5 | 1.4% | — |
| 21 | PLANET HOME LENDING, LLC | 5 | 1.4% | — |
| 22 | ENDEAVOR CAPITAL, LLC. | 5 | 1.4% | — |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 1.1% | 32.9% |
| 24 | 21st Mortgage Corporation | 4 | 1.1% | — |
| 25 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 1.1% | — |
| 26 | AmeriSave Mortgage Corporation | 4 | 1.1% | — |
| 27 | First FSB of Mascoutah 52 out of 100, Below average | 4 | 1.1% | 3.0% |
| 28 | Peoples National Bank , N.A. 62 out of 100, Moderate | 4 | 1.1% | 13.7% |
| 29 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.8% | 44.7% |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.8% | — |
| 31 | 1NB Bank 74 out of 100, Strong | 3 | 0.8% | 15.0% |
| 32 | GENEVA FINANCIAL, LLC | 3 | 0.8% | — |
| 33 | FLAT BRANCH MORTGAGE, INC. | 3 | 0.8% | — |
| 34 | GERSHMAN INVESTMENT CORP. | 3 | 0.8% | — |
| 35 | NEW DAY FINANCIAL, LLC | 3 | 0.8% | — |
| 36 | Midland States Bank 62 out of 100, Moderate | 3 | 0.8% | 27.2% |
| 37 | Truist Bank 63 out of 100, Moderate | 2 | 0.6% | 40.8% |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.6% | 22.2% |
| 39 | Fairway Independent Mortgage Corporation | 2 | 0.6% | — |
| 40 | PNC Bank, National Association 62 out of 100, Moderate | 2 | 0.6% | 33.8% |
Top 40 of 81 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