Mortgage lenders in Macon County
1,895 mortgages were made in Macon County, Illinois, in 2025, by 196 lenders. The median rate their borrowers got was 6.750% on a median loan of $115,000. Of 2,509 decisions, 539 were denials — 21.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broker Solutions, Inc. | 184 | 6.750% | $125,000 | 9.8% |
| Rocket Mortgage, LLC | 136 | 6.750% | $115,000 | 25.0% |
| LOWER, LLC | 112 | 6.625% | $155,000 | 1.8% |
| Regions Bank | 107 | 6.625% | $95,000 | 40.5% |
| CITIZENS EQUITY FIRST | 100 | 6.975% | $70,000 | 22.4% |
| First National Bank of Pana | 90 | Not published | $125,000 | 2.2% |
| DECATUR EARTHMOVER CREDIT UNION | 79 | 6.150% | $45,000 | 19.4% |
| Busey Bank | 78 | 6.688% | $100,000 | 13.3% |
| Hickory Point Bank and Trust | 72 | Not published | $145,000 | 6.4% |
| Heartland Bank and Trust Company | 68 | 7.013% | $115,000 | 13.3% |
| Prairie State Bank and Trust | 61 | 6.625% | $95,000 | 4.4% |
| FLAT BRANCH MORTGAGE, INC. | 60 | 6.750% | $125,000 | 1.6% |
| LAND OF LINCOLN CREDIT UNION | 57 | Not published | $115,000 | 3.3% |
| Mortgage Research Center, LLC | 46 | 6.375% | $175,000 | 25.4% |
| PNC Bank, National Association | 39 | 6.750% | $105,000 | 32.8% |
| First Mid Bank & Trust, National Association | 38 | 7.000% | $90,000 | 18.8% |
| FIRST STATE MORTGAGE SERVICES, LLC | 36 | 6.750% | $150,000 | 2.7% |
| Buena Vista National Bank | 33 | Not published | $95,000 | 5.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 28 | 6.313% | $140,000 | 48.3% |
| Scott State Bank | 26 | Not published | $125,000 | 21.2% |
| Navy Federal Credit Union | 22 | 6.375% | $125,000 | 8.3% |
| INB, National Association | 20 | 6.750% | $120,000 | 4.6% |
| NEWREZ LLC | 19 | 6.625% | $125,000 | 32.1% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.250% | $140,000 | 17.7% |
| Synergy One Lending, Inc. | 14 | 6.938% | $60,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 13 | 6.125% | $155,000 | 12.5% |
| U.S. Bank National Association | 13 | 7.490% | $75,000 | 53.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.575% | $165,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 12 | 6.433% | $140,000 | 20.0% |
| AmeriSave Mortgage Corporation | 11 | 6.750% | $65,000 | 67.7% |
| United Community Bank | 11 | 6.625% | $135,000 | 21.4% |
| Coastal Community Bank | 10 | 11.490% | $25,000 | 3.2% |
| Loandepot.Com, LLC | 10 | 7.183% | $100,000 | 45.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 18.2% |
| GERSHMAN INVESTMENT CORP. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 60.0% |
| First State Bank and Trust | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Midland States Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Bank of Springfield | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Gibson City | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 22.2% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Longview Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| HEARTLAND | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| University of Illinois Community Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 92.6% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Bement | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Fisher National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 90.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prospect Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Petefish, Skiles & Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank And Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCOTT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples State Bank of Newton, Illinois | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Forrest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luana Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TrustBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Actors Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dieterich Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOOKOUT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 90.0% |
| Zippy Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DuPage Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COVANTAGE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION 1 | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREYSTONE SERVICING COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITY BANC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Security Bank, s.b. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SENTE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PURDUE | 0 | Under 10 loans | Under 10 loans | 100.0% |
| IAA Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JMJ FINANCIAL GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| Arvest 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 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| Florida Capital 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 Macon County
34 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Hickory Point Bank and Trust | 6 | $468.8 million |
| First Mid Bank & Trust, National Association | 4 | $414.0 million |
| Scott State Bank | 4 | $87.5 million |
| Busey Bank | 3 | $500.6 million |
| Regions Bank | 3 | $283.1 million |
| Prairie State Bank and Trust | 3 | $129.8 million |
| First National Bank of Pana | 3 | $113.5 million |
| The Gerber State Bank | 2 | $78.1 million |
| Buena Vista National Bank | 2 | $32.2 million |
| PNC Bank, National Association | 1 | $160.3 million |
| Heartland Bank and Trust Company | 1 | $37.1 million |
| Peoples Bank of Macon | 1 | $19.5 million |
| Woodforest National Bank | 1 | $2.3 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.