Mortgage lenders in Macoupin County
834 mortgages were made in Macoupin County, Illinois, in 2025, by 152 lenders. The median rate their borrowers got was 6.750% on a median loan of $115,000. Of 1,144 decisions, 267 were denials — 23.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| United Community Bank | 116 | 6.750% | $65,000 | 9.2% |
| CNB Bank And Trust, N.A. | 46 | 6.383% | $95,000 | 32.4% |
| Rocket Mortgage, LLC | 44 | 6.875% | $110,000 | 34.8% |
| Bank & Trust Company | 39 | Not published | $105,000 | 2.4% |
| Associated Bank, National Association | 31 | 7.375% | $45,000 | 38.5% |
| Broker Solutions, Inc. | 29 | 6.990% | $155,000 | 19.4% |
| Carrollton Bank | 27 | 6.750% | $125,000 | 12.9% |
| 1ST MIDAMERICA CREDIT UNION | 26 | Not published | $80,000 | 26.3% |
| Mortgage Research Center, LLC | 22 | 6.250% | $195,000 | 31.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 18 | 6.813% | $150,000 | 5.3% |
| Bank of Hillsboro, National Association | 15 | 6.500% | $135,000 | 23.1% |
| SCOTT CREDIT UNION | 15 | 6.375% | $135,000 | 16.7% |
| U.S. Bank National Association | 14 | 6.875% | $150,000 | 59.5% |
| FLAT BRANCH MORTGAGE, INC. | 14 | 6.490% | $145,000 | 0.0% |
| HEARTLAND | 13 | 7.000% | $105,000 | 0.0% |
| Warren-Boynton State Bank | 13 | Not published | $55,000 | 7.1% |
| GUARANTEED RATE, INC. | 11 | 6.500% | $135,000 | 7.7% |
| ENDEAVOR CAPITAL, LLC. | 11 | 6.500% | $165,000 | 0.0% |
| Heartland Bank and Trust Company | 11 | 6.850% | $85,000 | 11.8% |
| DELMAR FINANCIAL COMPANY | 11 | 6.990% | $285,000 | 0.0% |
| FCB Banks | 11 | 6.750% | $135,000 | 8.3% |
| FRONTIER FINANCIAL, INC. | 11 | 6.750% | $145,000 | 0.0% |
| FIGURE LENDING LLC | 10 | 8.750% | $65,000 | 27.8% |
| CITIZENS EQUITY FIRST | 10 | 7.500% | $105,000 | 37.5% |
| Regions Bank | 9 | Under 10 loans | Under 10 loans | 21.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of Springfield | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Busey Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| INB, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The First National Bank of Raymond | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Prairie State Bank and Trust | 6 | Under 10 loans | Under 10 loans | 12.5% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 68.4% |
| DAS Acquisition Company, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GCS Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MIDWEST MEMBERS Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Morton Community Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Jersey State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FIRST COMMUNITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Petefish, Skiles & Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| West Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First FSB of Mascoutah | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pike Bancorp, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Williamsville State Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank, s.b. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bradford National Bank of Greenville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Collinsville Building and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALL IN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Dieterich Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Tax Lady | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BOKF, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal 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 |
| 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 |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| IOWA BANKERS MORTGAGE CORPORATION | 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 |
| 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 Macoupin County
23 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| United Community Bank | 4 | $240.8 million |
| Heartland Bank and Trust Company | 3 | $329.7 million |
| Prairie State Bank and Trust | 3 | $94.2 million |
| Constitution Bank, National Association | 2 | $108.4 million |
| Warren-Boynton State Bank | 2 | $61.9 million |
| The First National Bank of Raymond | 2 | $48.7 million |
| Associated Bank, National Association | 1 | $162.8 million |
| U.S. Bank National Association | 1 | $52.7 million |
| Bank of Springfield | 1 | $49.5 million |
| Bank & Trust Company | 1 | $49.0 million |
| Chesterfield State Bank | 1 | $19.8 million |
| Farmers State Bank of Medora | 1 | $17.9 million |
| Peoples Bank & Trust | 1 | $1.2 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- CNB Bank and Trust, N.A., 100 N Dye St, Virden
- CNB Bank and Trust, N.A., 202 N Maple St, Brighton
- CNB Bank and Trust, N.A., 450 W Side Sq, Carlinville
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When the next year’s lending figures are out for Macoupin 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.