Mortgage lenders in McLean County
3,473 mortgages were made in McLean County, Illinois, in 2025, by 274 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 4,260 decisions, 658 were denials — 15.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FIRST STATE MORTGAGE SERVICES, LLC | 677 | 6.625% | $215,000 | 1.2% |
| CITIZENS EQUITY FIRST | 294 | 7.250% | $95,000 | 13.7% |
| PNC Bank, National Association | 177 | 7.340% | $105,000 | 17.3% |
| Rocket Mortgage, LLC | 163 | 6.875% | $155,000 | 21.1% |
| Morton Community Bank | 154 | 6.875% | $155,000 | 6.6% |
| First State Bank | 112 | 6.990% | $150,000 | 2.6% |
| ILLINOIS STATE | 111 | 6.375% | $125,000 | 2.6% |
| POINT MORTGAGE CORPORATION | 110 | 6.625% | $205,000 | 0.0% |
| Heartland Bank and Trust Company | 105 | 7.325% | $105,000 | 11.5% |
| Busey Bank | 93 | 7.250% | $125,000 | 19.7% |
| Synergy One Lending, Inc. | 87 | 6.625% | $175,000 | 8.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 85 | 6.125% | $265,000 | 15.3% |
| U.S. Bank National Association | 70 | 6.688% | $175,000 | 40.7% |
| Commerce Bank | 60 | 7.265% | $65,000 | 34.0% |
| Flanagan State Bank | 53 | 7.125% | $125,000 | 1.8% |
| GUILD MORTGAGE COMPANY | 47 | 6.750% | $195,000 | 2.0% |
| Mortgage Research Center, LLC | 45 | 6.250% | $255,000 | 25.8% |
| Ixonia Bank | 43 | 6.875% | $175,000 | 2.3% |
| IAA Credit Union | 41 | 6.250% | $195,000 | 4.7% |
| JPMorgan Chase Bank, National Association | 40 | 6.490% | $185,000 | 7.0% |
| FLAT BRANCH MORTGAGE, INC. | 34 | 6.625% | $195,000 | 8.1% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.499% | $190,000 | 5.6% |
| First State Bank and Trust | 32 | Not published | $160,000 | 10.5% |
| COMPASS MORTGAGE, INC. | 30 | 6.875% | $195,000 | 3.1% |
| Prairie State Bank and Trust | 29 | 6.625% | $225,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 28 | 8.375% | $100,000 | 17.1% |
| Broker Solutions, Inc. | 26 | 6.875% | $150,000 | 10.3% |
| First State Bank of Forrest | 24 | Not published | $105,000 | 3.9% |
| FIGURE LENDING LLC | 22 | 9.050% | $35,000 | 12.9% |
| Bank of Pontiac | 22 | Not published | $170,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $195,000 | 29.4% |
| Loandepot.Com, LLC | 18 | 7.058% | $110,000 | 21.7% |
| Regions Bank | 17 | 4.990% | $45,000 | 41.7% |
| University of Illinois Community Credit Union | 17 | 4.375% | $265,000 | 5.6% |
| INB, National Association | 16 | 6.750% | $145,000 | 15.8% |
| GUARANTEED RATE, INC. | 15 | 6.500% | $215,000 | 0.0% |
| Bank of Springfield | 15 | 6.400% | $185,000 | 6.3% |
| Bank of Gibson City | 15 | Not published | $125,000 | 0.0% |
| Navy Federal Credit Union | 14 | 6.438% | $205,000 | 17.7% |
| The Credit Union For All | 14 | 6.875% | $125,000 | 0.0% |
| NEWREZ LLC | 13 | 6.625% | $205,000 | 51.6% |
| Coastal Community Bank | 13 | 10.990% | $25,000 | 0.0% |
| 21st Mortgage Corporation | 12 | 12.530% | $50,000 | 81.2% |
| Barrington Bank & Trust Company, National Association | 12 | 6.438% | $225,000 | 0.0% |
| First Financial Bank, National Association | 11 | 6.350% | $145,000 | 25.0% |
| Goodfield State Bank | 11 | Not published | $215,000 | 0.0% |
| THE LOAN STORE, INC. | 10 | 5.750% | $275,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 69.7% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 62.5% |
| United Community Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Fifth Third Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Fisher National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 549300Q6X2WV4PYYV564 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 58.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| COMPEER FINANCIAL, FLCA | 5 | Under 10 loans | Under 10 loans | 12.5% |
| First State Bank of St. Charles, Missouri | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 88.9% |
| Zippy Loans, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Petefish, Skiles & Co. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Homeland Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 85.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 44.4% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Midland States Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HEARTLAND | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STREATOR ONIZED CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Central Bank Illinois | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DECATUR EARTHMOVER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hickory Point Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 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% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| National Bank of St. Anne | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MidAmerica National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANKORION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Police Federal Credit Union effective | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Brodhead | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Community Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBI Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank in Tremont | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Toulon | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ipava State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY BANC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Havana National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUHL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND OF LINCOLN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra 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 74 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in McLean County
46 FDIC-insured branches from 26 banks, as of 30 June 2026, with the deposits held at them.
Get told when this changes
When the next year’s lending figures are out for McLean 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.