Mortgage lenders in Montgomery County
333 mortgages were made in Montgomery County, Illinois, in 2025, by 109 lenders. The median rate their borrowers got was 6.625% on a median loan of $105,000. Of 444 decisions, 100 were denials — 22.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bank & Trust Company | 60 | Not published | $75,000 | 11.8% |
| Rocket Mortgage, LLC | 31 | 6.875% | $105,000 | 22.5% |
| SCOTT CREDIT UNION | 16 | 6.313% | $110,000 | 20.0% |
| Mortgage Research Center, LLC | 15 | 6.250% | $135,000 | 31.8% |
| CNB Bank And Trust, N.A. | 14 | 6.725% | $110,000 | 30.0% |
| Bank of Hillsboro, National Association | 11 | 6.375% | $75,000 | 41.7% |
| Broker Solutions, Inc. | 10 | 7.250% | $105,000 | 23.1% |
| ENDEAVOR CAPITAL, LLC. | 10 | 6.500% | $95,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The FNB Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Raymond | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Petefish, Skiles & Co. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Bradford National Bank of Greenville | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Heartland Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 20.0% |
| COMMUNITY BANC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Warren-Boynton State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GCS Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Midland States Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prairie State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Five Nine | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DECATUR EARTHMOVER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dieterich Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of O'Fallon | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank Illinois | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DELMAR FINANCIAL COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY EQUITY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Mid Bank & Trust, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 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 Montgomery County
21 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank & Trust Company | 8 | $371.2 million |
| Constitution Bank, National Association | 2 | $207.2 million |
| The First National Bank of Litchfield | 2 | $131.8 million |
| The Litchfield National Bank | 2 | $120.6 million |
| First Community Bank of Hillsboro | 2 | $103.2 million |
| Heartland Bank and Trust Company | 2 | $65.1 million |
| FIRST NATIONAL BANK OF NOKOMIS | 1 | $89.8 million |
| The First National Bank of Raymond | 1 | $88.3 million |
| Prairie State Bank and Trust | 1 | $10.1 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- CNB Bank and Trust, N.A., 501 N State St, Litchfield
- CNB Bank and Trust, N.A., 549 S Main St, Hillsboro
Get told when this changes
When the next year’s lending figures are out for Montgomery 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.