Illinois · HMDA 2025
Mortgage lenders in White County, IL
60 lenders reported 341 home-loan applications in White County in 2025. 161 closed as loans ($20.9M), 74 were denied — a 29.6% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 31% of applications, led by Rocket Mortgage, LLC. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 341
- Loans originated
- 161
- Purchase / refinance
- 105 / 45
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in White County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 50 | 14.7% | — |
| 2 | Banterra Bank 66 out of 100, Moderate | 28 | 8.2% | 16.1% |
| 3 | Peoples National Bank , N.A. 62 out of 100, Moderate | 28 | 8.2% | 13.7% |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 23 | 6.7% | — |
| 5 | The First National Bank of Carmi 75 out of 100, Strong | 22 | 6.5% | 16.1% |
| 6 | Liberty | 17 | 5.0% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 14 | 4.1% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 14 | 4.1% | — |
| 9 | AmeriSave Mortgage Corporation | 10 | 2.9% | — |
| 10 | Mortgage Research Center, LLC | 10 | 2.9% | — |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 2.6% | 39.5% |
| 12 | PLANET HOME LENDING, LLC | 8 | 2.3% | — |
| 13 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 8 | 2.3% | 22.9% |
| 14 | 21st Mortgage Corporation | 6 | 1.8% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 1.5% | — |
| 16 | Broker Solutions, Inc. | 5 | 1.5% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 1.5% | — |
| 18 | Heritage Federal Credit Union 77 out of 100, Strong | 4 | 1.2% | 21.5% |
| 19 | GERSHMAN INVESTMENT CORP. | 4 | 1.2% | — |
| 20 | PHH Mortgage Corporation | 4 | 1.2% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 4 | 1.2% | 3.0% |
| 22 | NEWREZ LLC | 3 | 0.9% | — |
| 23 | Fairway Independent Mortgage Corporation | 3 | 0.9% | — |
| 24 | Loandepot.Com, LLC | 3 | 0.9% | — |
| 25 | First Financial Bank, National Association 68 out of 100, Moderate | 3 | 0.9% | 28.8% |
| 26 | NEW DAY FINANCIAL, LLC | 3 | 0.9% | — |
| 27 | Farmers State Bank of Alto Pass, Ill. | 3 | 0.9% | — |
| 28 | Fifth Third Bank, National Association 62 out of 100, Moderate | 3 | 0.9% | 34.0% |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.6% | 32.9% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.6% | — |
| 31 | PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | 0.6% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 2 | 0.6% | — |
| 33 | Equity Prime Mortgage LLC | 2 | 0.6% | — |
| 34 | Legence Bank 70 out of 100, Strong | 2 | 0.6% | 19.3% |
| 35 | CONSUMER REAL ESTATE FINANCE CO. | 2 | 0.6% | — |
| 36 | ROYAL UNITED MORTGAGE LLC | 2 | 0.6% | — |
| 37 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 0.6% | 37.2% |
| 38 | COMMUNITY BANC MORTGAGE CORPORATION | 2 | 0.6% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.3% | 32.5% |
| 40 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.3% | 22.2% |
Top 40 of 60 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