Mortgage lenders in Livingston County
719 mortgages were made in Livingston County, Illinois, in 2025, by 138 lenders. The median rate their borrowers got was 6.625% on a median loan of $115,000. Of 925 decisions, 162 were denials — 17.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bank of Pontiac | 138 | Not published | $115,000 | 3.4% |
| First State Bank of Forrest | 94 | Not published | $55,000 | 7.2% |
| Loandepot.Com, LLC | 31 | 6.875% | $155,000 | 16.2% |
| STREATOR ONIZED CREDIT UNION | 30 | Not published | $65,000 | 30.2% |
| Rocket Mortgage, LLC | 25 | 6.490% | $145,000 | 18.2% |
| Flanagan State Bank | 25 | 7.000% | $125,000 | 3.7% |
| Vermilion Valley Bank | 19 | Not published | $65,000 | 0.0% |
| United Community Bank | 18 | 6.500% | $125,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 6.987% | $145,000 | 5.6% |
| FIRST STATE MORTGAGE SERVICES, LLC | 16 | 6.500% | $150,000 | 0.0% |
| Mortgage Research Center, LLC | 15 | 6.250% | $235,000 | 16.7% |
| Morton Community Bank | 15 | 7.000% | $95,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 6.650% | $170,000 | 6.3% |
| CITIZENS EQUITY FIRST | 13 | 6.750% | $105,000 | 13.3% |
| COMPEER FINANCIAL, FLCA | 13 | 7.500% | $155,000 | 6.7% |
| FLAT BRANCH MORTGAGE, INC. | 11 | 6.375% | $155,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 5.875% | $150,000 | 15.4% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Busey Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Peoples National Bank of Kewanee | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goodfield State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| North Shore Trust and Savings | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Grundy Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Gibson City | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University of Illinois Community Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ILLINOIS STATE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 87.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 83.3% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Fisher National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL PLUS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of St. Anne | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Iroquois Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Trust and Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marquette Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 88.9% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 80.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 83.3% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| University of Wisconsin Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Byron Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Resource Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Guaranty Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bankers' Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third 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 |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FirstBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 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.
Bank branches in Livingston County
25 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank of Pontiac | 7 | $633.1 million |
| State Bank of Graymont | 4 | $230.9 million |
| First State Bank of Forrest | 2 | $117.3 million |
| Flanagan State Bank | 2 | $80.7 million |
| First Financial Bank, National Association | 2 | $76.3 million |
| Vermilion Valley Bank | 2 | $63.0 million |
| Peoples National Bank of Kewanee | 1 | $116.9 million |
| Morton Community Bank | 1 | $49.8 million |
| Midland States Bank | 1 | $26.1 million |
| Campus State Bank | 1 | $23.0 million |
| Citizens Bank of Chatsworth | 1 | $20.3 million |
| Woodforest National Bank | 1 | $4.3 million |
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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.