Home purchase lenders in Effingham County
270 home purchase mortgages were made in Effingham County, Illinois, in 2025, by 65 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 328 decisions, 50 were denials — 15.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Dieterich Bank | 68 | Not published | $195,000 | 3.9% |
| Broker Solutions, Inc. | 32 | 6.813% | $185,000 | 8.6% |
| Petefish, Skiles & Co. | 21 | 6.750% | $145,000 | 22.2% |
| Mortgage Research Center, LLC | 15 | 6.375% | $235,000 | 11.8% |
| CASTLE & COOKE MORTGAGE, LLC | 15 | 6.875% | $165,000 | 0.0% |
| Midland States Bank | 14 | 6.750% | $180,000 | 6.7% |
| Rocket Mortgage, LLC | 10 | 6.990% | $185,000 | 23.1% |
| First Mid Bank & Trust, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First National Bank of Waterloo | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY BANC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SCOTT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 75.0% |
| GERSHMAN INVESTMENT CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples State Bank of Newton, Illinois | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The FNB Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Forrest | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DECATUR EARTHMOVER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bradford National Bank of Greenville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of Hillsboro, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CNB Bank And Trust, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Financial Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| University of Illinois Community Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 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.
Get told when this changes
When the next year’s lending figures are out for Effingham County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. 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.