Mortgage lenders in Winnebago County
6,133 mortgages were made in Winnebago County, Illinois, in 2025, by 333 lenders. The median rate their borrowers got was 6.875% on a median loan of $135,000. Of 8,175 decisions, 1,687 were denials — 20.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREENSTATE Credit Union | 701 | 6.625% | $165,000 | 5.4% |
| First Mid Bank & Trust, National Association | 409 | 6.750% | $135,000 | 17.6% |
| Rocket Mortgage, LLC | 348 | 6.750% | $125,000 | 19.4% |
| Members Alliance Credit Union | 226 | 6.250% | $75,000 | 12.0% |
| Fairway Independent Mortgage Corporation | 217 | 6.990% | $145,000 | 8.1% |
| FIRST NORTHERN Credit Union | 200 | 6.750% | $155,000 | 8.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 188 | 6.625% | $165,000 | 15.6% |
| GUILD MORTGAGE COMPANY | 165 | 6.625% | $155,000 | 1.2% |
| ENVOY MORTGAGE, LTD | 160 | 6.875% | $185,000 | 4.2% |
| Associated Bank, National Association | 156 | 7.250% | $70,000 | 29.7% |
| U.S. Bank National Association | 153 | 7.490% | $105,000 | 52.8% |
| Midland States Bank | 148 | 6.063% | $65,000 | 33.1% |
| BMO Bank National Association | 142 | 8.705% | $95,000 | 35.8% |
| JPMorgan Chase Bank, National Association | 125 | 6.490% | $145,000 | 12.6% |
| Stillman BancCorp N.A. | 118 | 6.625% | $185,000 | 10.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 96 | 6.850% | $170,000 | 4.8% |
| BPL MORTGAGE TRUST, LLC | 96 | 7.875% | $75,000 | 13.2% |
| Rock Valley Credit Union | 96 | 6.663% | $65,000 | 0.0% |
| Mortgage Research Center, LLC | 94 | 6.250% | $240,000 | 14.4% |
| Barrington Bank & Trust Company, National Association | 84 | 6.875% | $175,000 | 2.3% |
| Byron Bank | 81 | Not published | $135,000 | 6.9% |
| PNC Bank, National Association | 77 | 7.340% | $95,000 | 41.8% |
| Loandepot.Com, LLC | 74 | 6.625% | $145,000 | 31.8% |
| The First National Bank and Trust Company | 61 | 7.400% | $75,000 | 11.4% |
| PENNYMAC LOAN SERVICES, LLC | 56 | 6.313% | $185,000 | 20.0% |
| FIGURE LENDING LLC | 55 | 8.750% | $55,000 | 25.0% |
| Fifth Third Bank, National Association | 53 | 8.000% | $105,000 | 33.7% |
| First Community CU of Beloit | 48 | Not published | $90,000 | 15.8% |
| GUARANTEED RATE, INC. | 47 | 6.750% | $175,000 | 14.3% |
| Navy Federal Credit Union | 46 | 6.563% | $135,000 | 17.5% |
| ADVIA Federal Credit Union | 46 | 7.250% | $65,000 | 28.8% |
| FREEDOM MORTGAGE CORPORATION | 43 | 6.625% | $195,000 | 20.3% |
| NATIONSTAR MORTGAGE LLC | 43 | 7.625% | $95,000 | 22.8% |
| Union Savings Bank | 43 | Not published | $225,000 | 2.3% |
| UMB Bank, National Association | 41 | 6.400% | $65,000 | 40.0% |
| German-American State Bank | 41 | Not published | $185,000 | 17.3% |
| Connexus Credit Union | 35 | 6.490% | $55,000 | 47.3% |
| AmeriSave Mortgage Corporation | 34 | 7.188% | $85,000 | 63.8% |
| ILLINOIS STATE | 34 | 6.500% | $85,000 | 5.6% |
| Coastal Community Bank | 33 | 12.990% | $35,000 | 4.3% |
| Holcomb Bank | 33 | Not published | $175,000 | 10.8% |
| Broker Solutions, Inc. | 31 | 7.000% | $115,000 | 34.0% |
| CMG MORTGAGE, INC. | 31 | 6.500% | $215,000 | 3.0% |
| NEWREZ LLC | 30 | 7.563% | $115,000 | 45.5% |
| CONSUMERS COOPERATIVE CREDIT UNION | 29 | 6.875% | $105,000 | 25.0% |
| Loan Funder LLC | 28 | 8.300% | $125,000 | 3.5% |
| Kiavi Funding, Inc. | 23 | 7.500% | $105,000 | 0.0% |
| NORTHWEST BANK OF ROCKFORD | 22 | 6.938% | $115,000 | 13.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 21 | 10.490% | $155,000 | 0.0% |
| The Huntington National Bank | 20 | 6.688% | $180,000 | 52.4% |
| PLAZA HOME MORTGAGE, INC. | 20 | 6.750% | $130,000 | 20.0% |
| SPRING EQ, LLC | 19 | 9.425% | $65,000 | 61.2% |
| Lendage, LLC | 19 | 10.500% | $55,000 | 12.5% |
| Discover Bank | 18 | 8.740% | $50,000 | 71.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 6.438% | $115,000 | 39.4% |
| First Federal Bank | 17 | 6.500% | $185,000 | 19.1% |
| MLD MORTGAGE INC. | 17 | 6.625% | $155,000 | 0.0% |
| COMPASS MORTGAGE, INC. | 17 | 6.750% | $175,000 | 0.0% |
| Johnson Financial Group | 16 | 6.525% | $255,000 | 5.0% |
| 254900O723MCLR701H50 | 15 | 0.000% | $5,000 | 59.0% |
| CBI Bank & Trust | 15 | 7.500% | $115,000 | 16.7% |
| Wells Fargo Bank, National Association | 14 | 6.563% | $115,000 | 17.7% |
| MORTGAGE CENTER L.C | 14 | 6.625% | $150,000 | 17.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.500% | $160,000 | 26.3% |
| CORNERSTONE CREDIT UNION | 14 | 6.700% | $55,000 | 12.5% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 7.938% | $145,000 | 6.7% |
| NEW DAY FINANCIAL, LLC | 13 | 6.990% | $235,000 | 30.0% |
| Prosperity Home Mortgage, LLC | 13 | 6.625% | $155,000 | 0.0% |
| First American Bank | 13 | 6.875% | $55,000 | 7.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.490% | $125,000 | 23.5% |
| LOWER, LLC | 12 | 6.990% | $215,000 | 33.3% |
| TOWNE MORTGAGE COMPANY | 12 | 6.875% | $175,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.790% | $85,000 | 15.4% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.563% | $175,000 | 63.9% |
| TRIAD FINANCIAL SERVICES, INC. | 10 | 8.635% | $55,000 | 44.8% |
| The Federal Savings Bank | 10 | 6.375% | $170,000 | 23.1% |
| First National Bank of Omaha | 10 | 7.625% | $105,000 | 33.3% |
| UNION HOME MORTGAGE CORP. | 10 | 6.750% | $265,000 | 0.0% |
| LENDINGONE, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 26.7% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 52.6% |
| Summit Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| University of Wisconsin Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Central Bank Illinois | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 55.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 8.3% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Baxter Credit Union | 8 | Under 10 loans | Under 10 loans | 15.4% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Community Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Sauk Valley Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 52.9% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 30.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| St. Charles Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Resource Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 71.4% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Blaze Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| One Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Five Nine | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| COMPEER FINANCIAL, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Brodhead | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of New Glarus | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Trust and Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900B0P7ZWM2SQVJ36 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Plank Trail Community Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fortress Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 95.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDENCE FUNDING CORPORATION | 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 133 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Winnebago County
62 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Midland States Bank | 8 | $953.6 million |
| Foresight Bank | 6 | $675.0 million |
| BMO Bank National Association | 6 | $623.1 million |
| Associated Bank, National Association | 5 | $733.8 million |
| U.S. Bank National Association | 5 | $326.9 million |
| UMB Bank, National Association | 4 | $1.6 billion |
| JPMorgan Chase Bank, National Association | 4 | $955.2 million |
| First Mid Bank & Trust, National Association | 4 | $373.7 million |
| PNC Bank, National Association | 4 | $318.0 million |
| St. Charles Bank & Trust Company, National Association | 3 | $773.4 million |
| Bank First, N.A. | 3 | $257.6 million |
| Stillman BancCorp N.A. | 2 | $269.3 million |
| Fifth Third Bank, National Association | 2 | $115.8 million |
| Solutions Bank | 2 | $112.0 million |
| Holcomb Bank | 1 | $48.4 million |
| CBI Bank & Trust | 1 | $32.6 million |
| The Harvard State Bank | 1 | $11.6 million |
| Woodforest National Bank | 1 | $2.7 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- The First National Bank and Trust Company, 300 E Main St, Rockton
- The First National Bank and Trust Company, 508 N Elida St, Winnebago
- The First National Bank and Trust Company, 5360 Bridge St, Roscoe
Get told when this changes
When the next year’s lending figures are out for Winnebago 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.