Home purchase lenders in Winnebago County
3,283 home purchase mortgages were made in Winnebago County, Illinois, in 2025, by 258 lenders. The median rate their borrowers got was 6.655% on a median loan of $165,000. Of 3,767 decisions, 363 were denials — 9.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GREENSTATE Credit Union | 539 | 6.625% | $175,000 | 3.1% |
| First Mid Bank & Trust, National Association | 263 | 6.625% | $175,000 | 7.4% |
| Fairway Independent Mortgage Corporation | 204 | 6.990% | $145,000 | 8.2% |
| FIRST NORTHERN Credit Union | 154 | 6.688% | $175,000 | 1.8% |
| ENVOY MORTGAGE, LTD | 153 | 6.875% | $185,000 | 1.3% |
| GUILD MORTGAGE COMPANY | 150 | 6.625% | $155,000 | 0.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 98 | 6.999% | $145,000 | 13.0% |
| JPMorgan Chase Bank, National Association | 85 | 6.490% | $145,000 | 12.2% |
| Rocket Mortgage, LLC | 81 | 6.625% | $165,000 | 11.0% |
| Mortgage Research Center, LLC | 77 | 6.500% | $245,000 | 8.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 74 | 6.875% | $175,000 | 2.5% |
| Stillman BancCorp N.A. | 66 | 6.588% | $215,000 | 2.5% |
| Barrington Bank & Trust Company, National Association | 65 | 6.875% | $175,000 | 1.5% |
| U.S. Bank National Association | 57 | 6.625% | $175,000 | 23.7% |
| Byron Bank | 56 | Not published | $135,000 | 8.2% |
| Members Alliance Credit Union | 51 | 5.500% | $165,000 | 1.9% |
| Midland States Bank | 50 | 6.625% | $135,000 | 17.5% |
| Associated Bank, National Association | 44 | 6.500% | $170,000 | 19.6% |
| GUARANTEED RATE, INC. | 37 | 6.750% | $175,000 | 9.5% |
| Loandepot.Com, LLC | 34 | 6.600% | $190,000 | 17.1% |
| BPL MORTGAGE TRUST, LLC | 34 | 8.000% | $65,000 | 20.5% |
| CMG MORTGAGE, INC. | 27 | 6.500% | $215,000 | 3.5% |
| Union Savings Bank | 24 | Not published | $190,000 | 0.0% |
| Navy Federal Credit Union | 23 | 6.125% | $175,000 | 4.2% |
| German-American State Bank | 23 | Not published | $185,000 | 7.7% |
| The First National Bank and Trust Company | 22 | 6.875% | $220,000 | 0.0% |
| Loan Funder LLC | 21 | 8.300% | $135,000 | 4.6% |
| Holcomb Bank | 21 | Not published | $195,000 | 4.6% |
| Rock Valley Credit Union | 21 | 6.875% | $195,000 | 0.0% |
| BMO Bank National Association | 20 | 6.750% | $160,000 | 27.6% |
| PNC Bank, National Association | 20 | 6.500% | $115,000 | 21.4% |
| Broker Solutions, Inc. | 16 | 7.063% | $190,000 | 23.8% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.625% | $130,000 | 15.8% |
| First Federal Bank | 16 | 6.438% | $180,000 | 11.1% |
| 254900O723MCLR701H50 | 15 | 0.000% | $5,000 | 57.9% |
| Fifth Third Bank, National Association | 15 | 6.625% | $195,000 | 36.0% |
| COMPASS MORTGAGE, INC. | 15 | 6.750% | $175,000 | 0.0% |
| MLD MORTGAGE INC. | 14 | 6.688% | $125,000 | 0.0% |
| Kiavi Funding, Inc. | 14 | 8.725% | $105,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.375% | $165,000 | 13.3% |
| CONSUMERS COOPERATIVE CREDIT UNION | 12 | 6.375% | $205,000 | 7.7% |
| Prosperity Home Mortgage, LLC | 12 | 6.688% | $150,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 12 | 6.875% | $175,000 | 0.0% |
| ILLINOIS STATE | 12 | 6.500% | $130,000 | 7.7% |
| The Huntington National Bank | 11 | 6.625% | $245,000 | 15.4% |
| First Community CU of Beloit | 11 | Not published | $235,000 | 15.4% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.625% | $215,000 | 21.4% |
| TRIAD FINANCIAL SERVICES, INC. | 10 | 8.635% | $55,000 | 44.8% |
| Johnson Financial Group | 10 | 6.500% | $280,000 | 0.0% |
| UMB Bank, National Association | 10 | 7.245% | $195,000 | 23.1% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NORTHWEST BANK OF ROCKFORD | 9 | Under 10 loans | Under 10 loans | 7.7% |
| CBI Bank & Trust | 9 | Under 10 loans | Under 10 loans | 10.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 30.8% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 7 | Under 10 loans | Under 10 loans | 22.2% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 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% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank Illinois | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Blaze Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| One Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Five Nine | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sauk Valley Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| St. Charles Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Resource Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 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% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 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% |
| Old Plank Trail Community Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 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% |
| MUTUAL OF OMAHA MORTGAGE, 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% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 94.7% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DuPage Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woodford State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PremierBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Pontiac | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Brodhead | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortress Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fisher National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prairie Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Providence Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of New Glarus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERVE, A CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 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 58 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.