Mortgage lenders in Madison County
6,489 mortgages were made in Madison County, Illinois, in 2025, by 341 lenders. The median rate their borrowers got was 6.750% on a median loan of $135,000. Of 8,381 decisions, 1,583 were denials — 18.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FCB Banks | 599 | 6.875% | $145,000 | 9.2% |
| Broker Solutions, Inc. | 313 | 6.875% | $145,000 | 8.5% |
| SCOTT CREDIT UNION | 301 | 6.500% | $135,000 | 15.9% |
| Carrollton Bank | 287 | 6.750% | $135,000 | 5.9% |
| 1ST MIDAMERICA CREDIT UNION | 284 | Not published | $85,000 | 20.1% |
| Regions Bank | 273 | 4.990% | $85,000 | 38.9% |
| Rocket Mortgage, LLC | 242 | 6.625% | $135,000 | 21.4% |
| ENDEAVOR CAPITAL, LLC. | 209 | 6.625% | $155,000 | 2.3% |
| Busey Bank | 199 | 7.750% | $85,000 | 8.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 194 | 6.375% | $225,000 | 13.5% |
| United Community Bank | 148 | 6.750% | $90,000 | 8.0% |
| Mortgage Research Center, LLC | 144 | 6.250% | $235,000 | 22.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 144 | 6.875% | $190,000 | 5.3% |
| DELMAR FINANCIAL COMPANY | 143 | 6.625% | $225,000 | 2.3% |
| U.S. Bank National Association | 141 | 7.500% | $95,000 | 43.1% |
| GCS Credit Union | 138 | Not published | $75,000 | 4.8% |
| First Mid Bank & Trust, National Association | 129 | 7.000% | $135,000 | 26.0% |
| FLAT BRANCH MORTGAGE, INC. | 122 | 6.750% | $175,000 | 0.8% |
| GUILD MORTGAGE COMPANY | 93 | 6.625% | $165,000 | 3.9% |
| Bank of Springfield | 83 | 7.250% | $155,000 | 8.8% |
| PENNYMAC LOAN SERVICES, LLC | 82 | 6.313% | $140,000 | 15.2% |
| DAS Acquisition Company, LLC | 78 | 6.750% | $175,000 | 4.4% |
| Navy Federal Credit Union | 69 | 7.250% | $125,000 | 25.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 68 | 6.625% | $170,000 | 4.1% |
| Associated Bank, National Association | 65 | 7.000% | $95,000 | 28.0% |
| Zippy Loans, LLC | 59 | 8.000% | $25,000 | 52.4% |
| FREEDOM MORTGAGE CORPORATION | 57 | 6.250% | $205,000 | 14.8% |
| FIRST COMMUNITY | 55 | 6.000% | $95,000 | 46.6% |
| Midwest BankCentre | 52 | 6.125% | $165,000 | 5.5% |
| Bank of Hillsboro, National Association | 51 | 7.250% | $185,000 | 8.3% |
| MIDWEST MEMBERS Credit Union | 49 | Not published | $45,000 | 0.0% |
| GUARANTEED RATE, INC. | 45 | 6.500% | $215,000 | 21.7% |
| Loandepot.Com, LLC | 43 | 6.750% | $105,000 | 39.4% |
| CNB Bank And Trust, N.A. | 43 | 6.500% | $215,000 | 21.8% |
| NATIONSTAR MORTGAGE LLC | 42 | 7.120% | $105,000 | 8.2% |
| AmeriSave Mortgage Corporation | 40 | 7.125% | $80,000 | 64.1% |
| FIGURE LENDING LLC | 40 | 9.000% | $55,000 | 20.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 35 | 6.625% | $185,000 | 16.3% |
| CITIZENS EQUITY FIRST | 35 | 6.875% | $105,000 | 20.5% |
| Collinsville Building and Loan Association | 34 | Not published | $135,000 | 2.9% |
| LOWER, LLC | 34 | 6.688% | $205,000 | 5.6% |
| TOGETHER CREDIT UNION | 34 | 7.063% | $105,000 | 20.9% |
| The Bradford National Bank of Greenville | 34 | Not published | $155,000 | 7.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 33 | 6.375% | $145,000 | 0.0% |
| NEWREZ LLC | 32 | 6.250% | $125,000 | 31.9% |
| Bank of America, National Association | 32 | 5.990% | $110,000 | 31.9% |
| JPMorgan Chase Bank, National Association | 32 | 6.750% | $185,000 | 22.0% |
| JLB CORPORATION | 32 | 6.250% | $145,000 | 3.0% |
| PNC Bank, National Association | 30 | 7.005% | $105,000 | 36.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 30 | 6.600% | $200,000 | 14.3% |
| SPRING EQ, LLC | 27 | 9.850% | $65,000 | 42.3% |
| NQM FUNDING, LLC | 25 | 6.490% | $205,000 | 7.4% |
| Fairway Independent Mortgage Corporation | 24 | 6.750% | $180,000 | 16.7% |
| UMB Bank, National Association | 23 | 5.990% | $75,000 | 30.3% |
| Lendage, LLC | 23 | 10.750% | $45,000 | 8.0% |
| USAA Federal Savings Bank | 22 | 6.500% | $350,000 | 21.4% |
| Equity Prime Mortgage LLC | 22 | 6.625% | $155,000 | 15.4% |
| Coastal Community Bank | 21 | 10.740% | $45,000 | 0.0% |
| Wells Fargo Bank, National Association | 20 | 6.063% | $180,000 | 20.0% |
| MOVEMENT MORTGAGE, LLC | 20 | 6.688% | $180,000 | 8.0% |
| Bank of Belleville | 19 | Not published | $155,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.750% | $245,000 | 45.5% |
| Heartland Bank and Trust Company | 16 | 7.175% | $95,000 | 17.4% |
| ZILLOW HOME LOANS, LLC | 16 | 6.688% | $140,000 | 5.9% |
| Bank of O'Fallon | 16 | Not published | $130,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.625% | $145,000 | 48.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 8.375% | $65,000 | 11.8% |
| GERSHMAN INVESTMENT CORP. | 15 | 6.625% | $275,000 | 11.8% |
| First National Bank of Waterloo | 14 | 6.750% | $175,000 | 0.0% |
| The Central Trust Bank | 13 | 6.375% | $185,000 | 0.0% |
| Dieterich Bank | 13 | Not published | $255,000 | 7.1% |
| FRONTIER FINANCIAL, INC. | 13 | 6.500% | $165,000 | 0.0% |
| First Bank | 12 | 6.563% | $195,000 | 7.7% |
| Stifel Bank and Trust | 12 | 6.313% | $195,000 | 0.0% |
| CMG MORTGAGE, INC. | 10 | 6.000% | $350,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.500% | $95,000 | 9.1% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 21.4% |
| Mortgage Right | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Midland States Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Citizens Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Bankers' Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Community Partners Savings Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 85.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| GREENSTATE Credit Union | 6 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VANTAGE Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First FSB of Mascoutah | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Germantown Trust & Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Jersey State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St. Louis Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Royal Banks of Missouri | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 3 | Under 10 loans | Under 10 loans | 80.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 66.7% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RPE Home, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Buena Vista National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 74.1% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANCE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lindell Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Old Monroe | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Calhoun County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Illinois State Police Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 90.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank of Hoffman | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 141 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Madison County
77 FDIC-insured branches from 23 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 10 | $544.9 million |
| FCB Banks | 9 | $1.3 billion |
| Busey Bank | 9 | $1.2 billion |
| U.S. Bank National Association | 7 | $671.8 million |
| Constitution Bank, National Association | 6 | $139.1 million |
| First Mid Bank & Trust, National Association | 5 | $753.2 million |
| United Community Bank | 4 | $360.5 million |
| The Bradford National Bank of Greenville | 4 | $213.5 million |
| Carrollton Bank | 3 | $393.9 million |
| Heartland Bank and Trust Company | 3 | $99.9 million |
| Associated Bank, National Association | 2 | $300.3 million |
| First National Bank of Waterloo | 2 | $68.7 million |
| PNC Bank, National Association | 2 | $60.8 million |
| JPMorgan Chase Bank, National Association | 2 | $42.5 million |
| Royal Banks of Missouri | 1 | $130.4 million |
| UMB Bank, National Association | 1 | $108.7 million |
| Collinsville Building and Loan Association | 1 | $82.7 million |
| St. Louis Bank | 1 | $73.2 million |
| Dieterich Bank | 1 | $68.0 million |
| Bank of Springfield | 1 | $65.0 million |
| Community Partners Savings Bank | 1 | $23.8 million |
| Bank of Belleville | 1 | $22.4 million |
| Woodforest National Bank | 1 | $2.9 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Associated Bank, National Association, 104 Homer M Adams Pkwy, Alton
- CNB Bank and Trust, N.A., 200 Homer M Adams Pkwy, Alton
- CNB Bank and Trust, N.A., 212 Evergreen Ln, Glen Carbon
- First Mid Bank & Trust, National Association, 2143 S Highway 157, Edwardsville
- State Bank of St. Jacob, 102 W 4th St, Saint Jacob
- State Bank of St. Jacob, 702 N Douglas St, St. Jacob
Get told when this changes
When the next year’s lending figures are out for Madison 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.