Mortgage lenders in Fulton County
538 mortgages were made in Fulton County, Illinois, in 2025, by 115 lenders. The median rate their borrowers got was 6.750% on a median loan of $85,000. Of 707 decisions, 151 were denials — 21.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CITIZENS EQUITY FIRST | 97 | 7.250% | $65,000 | 18.5% |
| MidAmerica National Bank | 75 | Not published | $85,000 | 22.7% |
| FLAT BRANCH MORTGAGE, INC. | 71 | 6.625% | $85,000 | 1.4% |
| Ipava State Bank | 46 | Not published | $65,000 | 16.4% |
| Morton Community Bank | 40 | 6.750% | $60,000 | 20.0% |
| Rocket Mortgage, LLC | 19 | 6.625% | $85,000 | 28.6% |
| Bank Of Farmington | 16 | Not published | $75,000 | 11.1% |
| Mortgage Research Center, LLC | 14 | 6.625% | $165,000 | 22.2% |
| U.S. Bank National Association | 12 | 6.625% | $135,000 | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST STATE MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| United Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CBI Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 5 | Under 10 loans | Under 10 loans | 30.0% |
| Better Banks | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Heartland Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 16.7% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Havana National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prairie State Bank and Trust | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TBK BANK, SSB | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Petefish, Skiles & Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goodfield State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bankers Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OSB Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortress Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Toulon | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank and Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AIM Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hickory Point Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DUPACO COMMUNITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Busey Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BANKORION | 0 | Under 10 loans | Under 10 loans | Not published |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Community State Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| HAPO COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COMMUNITY BANC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Financial Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist 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.
Bank branches in Fulton County
22 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Ipava State Bank | 5 | $153.2 million |
| MidAmerica National Bank | 3 | $352.8 million |
| Bank of Farmington | 3 | $149.3 million |
| Wells Fargo Bank, National Association | 1 | $93.2 million |
| Prairie State Bank and Trust | 1 | $53.4 million |
| Tompkins State Bank | 1 | $47.1 million |
| Table Grove State Bank | 1 | $40.2 million |
| Fairview State Banking Company | 1 | $34.7 million |
| TBK BANK, SSB | 1 | $23.5 million |
| Vermont State Bank | 1 | $21.0 million |
| The Havana National Bank | 1 | $17.2 million |
| Better Banks | 1 | $12.2 million |
| Bank of Yates City | 1 | $9.9 million |
| Morton Community Bank | 1 | $9.1 million |
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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.