Mortgage lenders in Champaign County
3,187 mortgages were made in Champaign County, Illinois, in 2025, by 285 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 3,928 decisions, 600 were denials — 15.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broker Solutions, Inc. | 315 | 6.875% | $185,000 | 6.5% |
| Busey Bank | 274 | 6.875% | $135,000 | 11.0% |
| University of Illinois Community Credit Union | 160 | 5.500% | $240,000 | 4.2% |
| FLAT BRANCH MORTGAGE, INC. | 158 | 6.625% | $205,000 | 1.2% |
| Rocket Mortgage, LLC | 141 | 6.875% | $125,000 | 23.8% |
| The Fisher National Bank | 130 | Not published | $155,000 | 2.8% |
| Midland States Bank | 126 | 6.500% | $180,000 | 5.9% |
| First Federal Savings Bank of Champaign Urbana | 100 | Not published | $185,000 | 1.0% |
| Longview Bank | 88 | Not published | $175,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 84 | 6.625% | $230,000 | 4.5% |
| PNC Bank, National Association | 68 | 7.590% | $105,000 | 29.6% |
| JPMorgan Chase Bank, National Association | 68 | 6.375% | $205,000 | 6.6% |
| Iroquois Federal Savings and Loan Association | 68 | Not published | $165,000 | 5.3% |
| Bank of Springfield | 63 | 6.500% | $225,000 | 7.4% |
| Morton Community Bank | 53 | 7.000% | $145,000 | 1.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 6.624% | $225,000 | 19.4% |
| Hickory Point Bank and Trust | 52 | Not published | $175,000 | 3.7% |
| First Mid Bank & Trust, National Association | 50 | 7.000% | $105,000 | 24.2% |
| POINT MORTGAGE CORPORATION | 49 | 6.500% | $215,000 | 0.0% |
| Mortgage Research Center, LLC | 47 | 6.250% | $245,000 | 17.2% |
| The Gifford State Bank | 43 | Not published | $85,000 | 6.5% |
| INB, National Association | 40 | 6.704% | $115,000 | 4.7% |
| First State Bank of Forrest | 33 | Not published | $135,000 | 5.7% |
| First State Bank and Trust | 31 | Not published | $225,000 | 5.6% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.250% | $165,000 | 21.1% |
| First Financial Bank, National Association | 29 | 6.750% | $125,000 | 31.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 28 | 6.750% | $240,000 | 24.3% |
| Prairie State Bank and Trust | 28 | 6.713% | $180,000 | 0.0% |
| BankChampaign, National Association | 28 | Not published | $120,000 | 0.0% |
| Heartland Bank and Trust Company | 27 | 7.300% | $135,000 | 13.9% |
| NATIONSTAR MORTGAGE LLC | 26 | 6.990% | $155,000 | 10.3% |
| FIGURE LENDING LLC | 24 | 8.725% | $55,000 | 15.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 24 | 6.500% | $195,000 | 11.1% |
| Navy Federal Credit Union | 20 | 7.063% | $125,000 | 19.2% |
| Coastal Community Bank | 17 | 12.240% | $55,000 | 0.0% |
| CITIZENS EQUITY FIRST | 17 | 6.500% | $275,000 | 0.0% |
| U.S. Bank National Association | 16 | 6.750% | $175,000 | 56.8% |
| Loandepot.Com, LLC | 16 | 6.563% | $115,000 | 39.3% |
| GUARANTEED RATE, INC. | 15 | 6.750% | $185,000 | 6.3% |
| FREEDOM MORTGAGE CORPORATION | 13 | 5.875% | $225,000 | 23.8% |
| NEWREZ LLC | 13 | 6.875% | $145,000 | 31.6% |
| Wells Fargo Bank, National Association | 13 | 6.375% | $175,000 | 13.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.375% | $185,000 | 12.5% |
| Prospect Bank | 13 | Not published | $145,000 | 27.8% |
| Fairway Independent Mortgage Corporation | 11 | 7.250% | $345,000 | 15.4% |
| SPRING EQ, LLC | 10 | 9.288% | $60,000 | 45.5% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.875% | $160,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 52.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| MEMBER FIRST MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 80.0% |
| State Bank of Bement | 8 | Under 10 loans | Under 10 loans | 11.1% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 61.1% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 58.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| COMMUNITY BANC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 83.8% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 60.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| First State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 46.2% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 45.5% |
| CREDIT UNION 1 | 5 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Petefish, Skiles & Co. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 53.3% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| TruHome Solutions, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Gibson City | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 90.0% |
| Commerce Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KEY MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Homeland Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TrustBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERWISE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ILLINOIS STATE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 62.5% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Germantown Trust & Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Byron Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kentland Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 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% |
| National Bank of St. Anne | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 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% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 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 85 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Champaign County
71 FDIC-insured branches from 29 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Iroquois Federal Savings and Loan Association, 108 Arbours Dr, Savoy
- Iroquois Federal Savings and Loan Association, 2411 Village Green Pl, Champaign
- Morton Community Bank, 1001 S Neil St, Champaign
- The Gifford State Bank, 101 Main St, Thomasboro
- The Gifford State Bank, 218 East Lincoln, Saint Joseph
- The Gifford State Bank, 304 S Main St, Gifford
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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.