Mortgage lenders in Sangamon County
4,516 mortgages were made in Sangamon County, Illinois, in 2025, by 273 lenders. The median rate their borrowers got was 6.750% on a median loan of $135,000. Of 5,562 decisions, 866 were denials — 15.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| INB, National Association | 576 | 6.625% | $165,000 | 4.1% |
| United Community Bank | 424 | 6.625% | $95,000 | 9.0% |
| Bank of Springfield | 409 | 6.701% | $165,000 | 3.5% |
| HEARTLAND | 311 | 7.000% | $95,000 | 8.2% |
| CITIZENS EQUITY FIRST | 246 | 7.314% | $75,000 | 14.0% |
| Alliance Community Bank | 191 | Not published | $115,000 | 3.9% |
| Morton Community Bank | 190 | 7.125% | $80,000 | 8.5% |
| Rocket Mortgage, LLC | 160 | 6.750% | $125,000 | 19.9% |
| Heartland Bank and Trust Company | 141 | 7.100% | $95,000 | 11.8% |
| PNC Bank, National Association | 117 | 6.875% | $115,000 | 25.3% |
| GUARANTEED RATE, INC. | 116 | 6.600% | $150,000 | 9.2% |
| Carrollton Bank | 91 | 6.750% | $145,000 | 4.2% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 90 | 6.750% | $155,000 | 0.0% |
| Security Bank, s.b. | 87 | Not published | $115,000 | 6.3% |
| Broker Solutions, Inc. | 69 | 6.750% | $155,000 | 9.2% |
| Prairie State Bank and Trust | 69 | 6.750% | $155,000 | 7.9% |
| FLAT BRANCH MORTGAGE, INC. | 68 | 6.750% | $195,000 | 1.5% |
| Mortgage Research Center, LLC | 66 | 6.500% | $220,000 | 18.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 6.108% | $245,000 | 16.1% |
| Warren-Boynton State Bank | 61 | Not published | $135,000 | 0.0% |
| U.S. Bank National Association | 52 | 7.725% | $85,000 | 41.9% |
| Bank & Trust Company | 46 | Not published | $165,000 | 8.0% |
| Hickory Point Bank and Trust | 44 | Not published | $215,000 | 6.4% |
| JPMorgan Chase Bank, National Association | 43 | 6.625% | $155,000 | 18.9% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.250% | $215,000 | 7.7% |
| West Central Bank | 36 | Not published | $160,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.250% | $185,000 | 13.9% |
| Williamsville State Bank & Trust | 25 | Not published | $65,000 | 3.1% |
| LEADERONE FINANCIAL CORPORATION | 23 | 6.625% | $165,000 | 23.3% |
| GUILD MORTGAGE COMPANY | 23 | 6.875% | $155,000 | 0.0% |
| Navy Federal Credit Union | 21 | 7.250% | $95,000 | 30.0% |
| Coastal Community Bank | 19 | 10.990% | $25,000 | 1.9% |
| Regions Bank | 19 | 6.125% | $105,000 | 42.9% |
| Petefish, Skiles & Co. | 18 | 6.750% | $110,000 | 14.3% |
| 21st Mortgage Corporation | 17 | 11.240% | $55,000 | 87.0% |
| AmeriSave Mortgage Corporation | 15 | 7.625% | $75,000 | 67.4% |
| TRIAD FINANCIAL SERVICES, INC. | 14 | 9.315% | $35,000 | 67.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 14 | 6.875% | $190,000 | 17.7% |
| Loandepot.Com, LLC | 13 | 7.125% | $75,000 | 40.9% |
| FIGURE LENDING LLC | 12 | 8.388% | $50,000 | 25.0% |
| NATIONSTAR MORTGAGE LLC | 12 | 7.433% | $75,000 | 20.0% |
| Lendage, LLC | 12 | 11.875% | $60,000 | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 8.000% | $95,000 | 15.4% |
| CREDIT UNION 1 | 11 | 6.500% | $135,000 | 29.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $165,000 | 21.4% |
| Plains Commerce Bank | 10 | 6.125% | $240,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 6.625% | $140,000 | 0.0% |
| Buena Vista National Bank | 10 | Not published | $225,000 | 0.0% |
| First Bankers Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 27.3% |
| The First National Bank of Raymond | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of Pana | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 78.3% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MEMBER FIRST MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 27.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CONSUMER REAL ESTATE FINANCE CO. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 57.1% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CNB Bank And Trust, N.A. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Illinois State Police Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 1ST MIDAMERICA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Gibson City | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DECATUR EARTHMOVER CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flanagan State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 57.1% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Hillsboro, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Waterloo | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY BANC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IAA Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 71.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAND OF LINCOLN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Illinois Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goodfield State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MJW FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank of Champaign Urbana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Better Banks | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 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% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank in Tremont | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fisher National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Providence Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Longview Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY | 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 73 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sangamon County
75 FDIC-insured branches from 24 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 Sangamon 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.