Illinois · HMDA 2025
Mortgage lenders in Whiteside County, IL
173 lenders reported 1,418 home-loan applications in Whiteside County in 2025. 811 closed as loans ($105.0M), 213 were denied — a 20.2% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 21% of applications, led by Sauk Valley Bank & Trust Company. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,418
- Loans originated
- 811
- Purchase / refinance
- 484 / 222
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Whiteside County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Sauk Valley Bank & Trust Company 57 out of 100, Moderate | 111 | 7.8% | 8.8% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 109 | 7.7% | 39.5% |
| 3 | Rocket Mortgage, LLC | 82 | 5.8% | — |
| 4 | Central Bank Illinois 55 out of 100, Moderate | 60 | 4.2% | 3.1% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 56 | 3.9% | — |
| 6 | GUILD MORTGAGE COMPANY | 55 | 3.9% | — |
| 7 | Farmers National Bank 88 out of 100, Very strong | 47 | 3.3% | 1.0% |
| 8 | Mortgage Research Center, LLC | 45 | 3.2% | — |
| 9 | Midland States Bank 62 out of 100, Moderate | 41 | 2.9% | 27.2% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 35 | 2.5% | — |
| 11 | GREENSTATE Credit Union 50 out of 100, Below average | 34 | 2.4% | 10.1% |
| 12 | ASCENTRA Credit Union 63 out of 100, Moderate | 31 | 2.2% | 18.5% |
| 13 | Broker Solutions, Inc. | 30 | 2.1% | — |
| 14 | AmeriSave Mortgage Corporation | 28 | 2.0% | — |
| 15 | I. H. MISSISSIPPI VALLEY CREDIT UNION 61 out of 100, Moderate | 23 | 1.6% | 14.5% |
| 16 | TOWNE MORTGAGE COMPANY | 23 | 1.6% | — |
| 17 | Fifth Third Bank, National Association 62 out of 100, Moderate | 22 | 1.6% | 34.0% |
| 18 | PLANET HOME LENDING, LLC | 21 | 1.5% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 20 | 1.4% | 32.9% |
| 20 | FIGURE LENDING LLC | 20 | 1.4% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 18 | 1.3% | 14.1% |
| 22 | Loandepot.Com, LLC | 18 | 1.3% | — |
| 23 | NEWREZ LLC | 17 | 1.2% | — |
| 24 | Morton Community Bank 72 out of 100, Strong | 15 | 1.1% | 11.4% |
| 25 | FREEDOM MORTGAGE CORPORATION | 14 | 1.0% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 13 | 0.9% | 3.0% |
| 27 | Empeople Credit Union 58 out of 100, Moderate | 12 | 0.8% | 25.7% |
| 28 | First Central State Bank 83 out of 100, Strong | 12 | 0.8% | 9.1% |
| 29 | NEW DAY FINANCIAL, LLC | 12 | 0.8% | — |
| 30 | Fairway Independent Mortgage Corporation | 11 | 0.8% | — |
| 31 | GUARANTEED RATE, INC. | 10 | 0.7% | — |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 0.7% | — |
| 33 | CMG MORTGAGE, INC. | 9 | 0.6% | — |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 0.6% | — |
| 35 | CORNERSTONE CREDIT UNION 64 out of 100, Moderate | 9 | 0.6% | 44.2% |
| 36 | RUHL MORTGAGE, LLC | 9 | 0.6% | — |
| 37 | Flanagan State Bank 67 out of 100, Moderate | 8 | 0.6% | 14.2% |
| 38 | R.I.A. Federal Credit Union 62 out of 100, Moderate | 8 | 0.6% | 25.1% |
| 39 | COMPEER FINANCIAL, FLCA | 8 | 0.6% | — |
| 40 | NATIONSTAR MORTGAGE LLC | 8 | 0.6% | — |
Top 40 of 173 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