Mortgage Lender Index

Refinancing lenders in Stephenson County

81 refinancing mortgages were made in Stephenson County, Illinois, in 2025, by 53 lenders. The median rate their borrowers got was 6.375% on a median loan of $105,000. Of 112 decisions, 25 were denials — 22.3%, most often for credit history.

LenderMortgages madeMedian rateMedian loanDenied
GREENSTATE Credit Union 16 6.375% $50,000 5.9%
Fifth Third Bank, National Association 13 8.250% $75,000 13.3%
CORNERSTONE CREDIT UNION 4 Under 10 loans Under 10 loans 0.0%
St. Charles Bank & Trust Company, National Association 4 Under 10 loans Under 10 loans 0.0%
Rocket Mortgage, LLC 3 Under 10 loans Under 10 loans 33.3%
FREEDOM MORTGAGE CORPORATION 3 Under 10 loans Under 10 loans 0.0%
PLANET HOME LENDING, LLC 3 Under 10 loans Under 10 loans 0.0%
The Bank of New Glarus 3 Under 10 loans Under 10 loans 0.0%
Mortgage Research Center, LLC 2 Under 10 loans Under 10 loans 57.1%
Union Savings Bank 2 Under 10 loans Under 10 loans 33.3%
Loandepot.Com, LLC 2 Under 10 loans Under 10 loans 0.0%
German-American State Bank 2 Under 10 loans Under 10 loans 33.3%
Woodford State Bank 2 Under 10 loans Under 10 loans 0.0%
Rock Valley Credit Union 2 Under 10 loans Under 10 loans 0.0%
PLAZA HOME MORTGAGE, INC. 2 Under 10 loans Under 10 loans 0.0%
UNITED SHORE FINANCIAL SERVICES, LLC 1 Under 10 loans Under 10 loans 71.4%
PENNYMAC LOAN SERVICES, LLC 1 Under 10 loans Under 10 loans 0.0%
First Community CU of Beloit 1 Under 10 loans Under 10 loans 50.0%
NEWREZ LLC 1 Under 10 loans Under 10 loans 50.0%
LOWER, LLC 1 Under 10 loans Under 10 loans 0.0%
NORTHWEST BANK OF ROCKFORD 1 Under 10 loans Under 10 loans 0.0%
Lendage, LLC 1 Under 10 loans Under 10 loans 0.0%
University of Wisconsin Credit Union 1 Under 10 loans Under 10 loans 0.0%
National Police Federal Credit Union effective 1 Under 10 loans Under 10 loans 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. 1 Under 10 loans Under 10 loans 0.0%
Wintrust Bank, National Association 1 Under 10 loans Under 10 loans 0.0%
ILLINOIS STATE 1 Under 10 loans Under 10 loans 0.0%
VILLAGE CAPITAL & INVESTMENT LLC 1 Under 10 loans Under 10 loans 0.0%
First Mid Bank & Trust, National Association 1 Under 10 loans Under 10 loans 0.0%
U.S. Bank National Association 1 Under 10 loans Under 10 loans 0.0%
JPMorgan Chase Bank, National Association 1 Under 10 loans Under 10 loans 0.0%
PNC Bank, National Association 1 Under 10 loans Under 10 loans 0.0%
Barrington Bank & Trust Company, National Association 1 Under 10 loans Under 10 loans 0.0%
Kiavi Funding, Inc. 0 Under 10 loans Under 10 loans Not published
CROSSCOUNTRY MORTGAGE, INC. 0 Under 10 loans Under 10 loans Not published
Discover Bank 0 Under 10 loans Under 10 loans 100.0%
AMERIHOME MORTGAGE COMPANY, LLC 0 Under 10 loans Under 10 loans 100.0%
PFN Lending Group, Inc. 0 Under 10 loans Under 10 loans 100.0%
DOMINION FINANCIAL SERVICES, LLC 0 Under 10 loans Under 10 loans 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. 0 Under 10 loans Under 10 loans Not published
NATIONSTAR MORTGAGE LLC 0 Under 10 loans Under 10 loans 0.0%
LAKEVIEW LOAN SERVICING, LLC 0 Under 10 loans Under 10 loans 100.0%
CARRINGTON MORTGAGE SERVICES, LLC 0 Under 10 loans Under 10 loans Not published
NEW DAY FINANCIAL, LLC 0 Under 10 loans Under 10 loans Not published
GUARANTEED RATE, INC. 0 Under 10 loans Under 10 loans Not published
Midland States Bank 0 Under 10 loans Under 10 loans 100.0%
ROYAL UNITED MORTGAGE LLC 0 Under 10 loans Under 10 loans Not published
DEEPHAVEN MORTGAGE LLC 0 Under 10 loans Under 10 loans 100.0%
984500RF83EA742B5589 0 Under 10 loans Under 10 loans Not published
Bank of America, National Association 0 Under 10 loans Under 10 loans Not published
Northbrook Bank and Trust Company, National Association 0 Under 10 loans Under 10 loans Not published
UMB Bank, National Association 0 Under 10 loans Under 10 loans 100.0%
The Huntington National Bank 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.

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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.