Mortgage lenders in Carroll County
226 mortgages were made in Carroll County, Illinois, in 2025, by 120 lenders. The median rate their borrowers got was 6.625% on a median loan of $125,000. Of 310 decisions, 79 were denials — 25.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 15 | 6.625% | $105,000 | 31.8% |
| GREENSTATE Credit Union | 14 | 6.875% | $115,000 | 6.3% |
| R.I.A. Federal Credit Union | 11 | 5.990% | $55,000 | 35.3% |
| Fidelity Bank | 11 | Not published | $85,000 | 0.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| DUPACO COMMUNITY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank Illinois | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sauk Valley Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| COMPEER FINANCIAL, FLCA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Central State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Community CU of Beloit | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RUHL MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AIM Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NORTHERN Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 91.7% |
| ASCENTRA Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TBK BANK, SSB | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHWEST BANK OF ROCKFORD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Du Trac Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homeland Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Resource Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Community Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortress Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of New Glarus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wintrust Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| German-American State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MARINE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Bank and Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DuPage Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| GATEWAY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UMB Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| IOWA BANKERS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Carroll County
13 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Fidelity Bank | 3 | $108.7 million |
| TBK BANK, SSB | 3 | $76.4 million |
| First State Bank Shannon-Polo | 2 | $93.6 million |
| Milledgeville State Bank | 1 | $170.6 million |
| Exchange State Bank | 1 | $98.6 million |
| Farmers National Bank | 1 | $38.9 million |
| The State Bank of Pearl City | 1 | $18.4 million |
| Citizens State Bank | 1 | $12.5 million |
Get told when this changes
When the next year’s lending figures are out for Carroll County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.