Home purchase lenders in Madison County
3,511 home purchase mortgages were made in Madison County, Illinois, in 2025, by 265 lenders. The median rate their borrowers got was 6.625% on a median loan of $175,000. Of 4,008 decisions, 396 were denials — 9.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FCB Banks | 339 | 6.750% | $205,000 | 5.0% |
| Broker Solutions, Inc. | 235 | 6.750% | $165,000 | 1.7% |
| Carrollton Bank | 201 | 6.624% | $145,000 | 4.3% |
| ENDEAVOR CAPITAL, LLC. | 179 | 6.625% | $145,000 | 2.7% |
| SCOTT CREDIT UNION | 153 | 6.250% | $195,000 | 4.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 135 | 6.990% | $185,000 | 4.9% |
| DELMAR FINANCIAL COMPANY | 124 | 6.625% | $225,000 | 2.0% |
| 1ST MIDAMERICA CREDIT UNION | 122 | Not published | $135,000 | 6.8% |
| Mortgage Research Center, LLC | 115 | 6.375% | $245,000 | 10.6% |
| FLAT BRANCH MORTGAGE, INC. | 112 | 6.750% | $175,000 | 0.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 87 | 6.624% | $195,000 | 7.2% |
| Busey Bank | 80 | 6.500% | $145,000 | 6.9% |
| GUILD MORTGAGE COMPANY | 76 | 6.625% | $165,000 | 3.6% |
| Rocket Mortgage, LLC | 70 | 6.563% | $145,000 | 12.5% |
| DAS Acquisition Company, LLC | 67 | 6.750% | $175,000 | 5.1% |
| United Community Bank | 65 | 6.500% | $155,000 | 4.4% |
| First Mid Bank & Trust, National Association | 61 | 6.500% | $205,000 | 18.2% |
| Zippy Loans, LLC | 59 | 8.000% | $25,000 | 52.4% |
| Bank of Springfield | 58 | 7.250% | $155,000 | 6.5% |
| U.S. Bank National Association | 53 | 6.625% | $175,000 | 15.6% |
| Regions Bank | 52 | 6.625% | $160,000 | 10.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 49 | 6.625% | $165,000 | 0.0% |
| GCS Credit Union | 48 | Not published | $145,000 | 2.0% |
| Midwest BankCentre | 47 | 6.125% | $165,000 | 4.1% |
| GUARANTEED RATE, INC. | 33 | 6.525% | $215,000 | 7.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 33 | 6.375% | $145,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 32 | 6.625% | $195,000 | 9.5% |
| CNB Bank And Trust, N.A. | 31 | 6.500% | $255,000 | 16.2% |
| LOWER, LLC | 29 | 6.625% | $235,000 | 0.0% |
| Navy Federal Credit Union | 28 | 6.250% | $230,000 | 15.2% |
| Bank of Hillsboro, National Association | 28 | 7.125% | $180,000 | 9.1% |
| NQM FUNDING, LLC | 25 | 6.490% | $205,000 | 7.4% |
| Associated Bank, National Association | 24 | 6.313% | $185,000 | 7.7% |
| JPMorgan Chase Bank, National Association | 21 | 6.490% | $225,000 | 22.2% |
| USAA Federal Savings Bank | 21 | 6.500% | $335,000 | 22.2% |
| The Bradford National Bank of Greenville | 21 | Not published | $165,000 | 10.7% |
| Collinsville Building and Loan Association | 20 | Not published | $195,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 19 | 6.875% | $135,000 | 20.0% |
| FIRST COMMUNITY | 17 | 6.750% | $185,000 | 45.2% |
| Equity Prime Mortgage LLC | 17 | 6.625% | $125,000 | 15.0% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.750% | $145,000 | 9.1% |
| ZILLOW HOME LOANS, LLC | 16 | 6.688% | $140,000 | 5.9% |
| Bank of America, National Association | 14 | 5.813% | $200,000 | 17.7% |
| CITIZENS EQUITY FIRST | 14 | 6.500% | $200,000 | 0.0% |
| Bank of Belleville | 13 | Not published | $175,000 | 0.0% |
| Wells Fargo Bank, National Association | 12 | 6.125% | $245,000 | 7.7% |
| TOGETHER CREDIT UNION | 12 | 6.500% | $185,000 | 14.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.850% | $215,000 | 14.3% |
| Loandepot.Com, LLC | 11 | 6.750% | $135,000 | 8.3% |
| Dieterich Bank | 11 | Not published | $255,000 | 0.0% |
| PNC Bank, National Association | 10 | 6.375% | $190,000 | 28.6% |
| GERSHMAN INVESTMENT CORP. | 10 | 6.500% | $175,000 | 16.7% |
| FRONTIER FINANCIAL, INC. | 10 | 6.625% | $145,000 | 0.0% |
| Midland States Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Waterloo | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of O'Fallon | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Right | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Bankers' Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First State Bank of St. Charles, Missouri | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CONSUMER REAL ESTATE FINANCE CO. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First FSB of Mascoutah | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St. Louis Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community Partners Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 66.7% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 28.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Germantown Trust & Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Jersey State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Banks of Missouri | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 76.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lindell Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Calhoun County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Buena Vista National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 90.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Illinois Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prairie State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Old Monroe | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Warren-Boynton State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLTRU FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fisher National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 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% |
| Guaranty Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank, s.b. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The FNB Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 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% |
| The Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hickory Point Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers and Merchants National Bank of Nashville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marquette Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 65 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.