Largest lenders in Adams County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Community Bank | C | 204 | 147 | 14.2% | 6.75% |
| 2 | First Bankers Trust Company | B | 93 | 77 | 3.2% | 6.75% |
| 3 | Crosscountry Mortgage | B | 87 | 69 | 3.5% | 6.38% |
| 4 | HomeBank | A | 78 | 72 | 0.0% | — |
| 5 | Flat Branch Mortgage | A | 65 | 54 | 3.1% | 6.63% |
| 6 | Mortgage Research Center | C | 65 | 35 | 18.5% | 6.25% |
| 7 | Rocket Mortgage | C | 46 | 34 | 13.0% | 6.81% |
| 8 | Bank of Springfield | B | 31 | 25 | 9.7% | 6.55% |
| 9 | Gershman Investment | B | 26 | 18 | 15.4% | 6.63% |
| 10 | Compeer Financial, Flca | C | 20 | 9 | 15.0% | 7.10% |
| 11 | Vanderbilt Mortgage and Finance | F | 20 | 2 | 45.0% | 11.25% |
| 12 | U.S. Bank | D | 17 | 7 | 35.3% | 7.63% |
| 13 | Coastal Community Bank | C | 17 | 3 | 0.0% | 11.74% |
| 14 | Loandepot.Com | D | 16 | 7 | 31.3% | 7.13% |
| 15 | AmeriSave Mortgage | D | 15 | 1 | 80.0% | 5.63% |
| 16 | Thompson Kane & Company | A | 15 | 11 | 6.7% | 6.88% |
| 17 | Newrez | D | 15 | 2 | 20.0% | 6.00% |
| 18 | Pennymac Loan Services | C | 14 | 6 | 14.3% | 6.50% |
| 19 | Heartland Bank and Trust | D | 14 | 9 | 21.4% | 7.88% |
| 20 | New Day Financial | F | 14 | 4 | 14.3% | 6.74% |
| 21 | Freedom Mortgage | B | 13 | 9 | 0.0% | 6.25% |
| 22 | United Shore Financial Services | B | 11 | 6 | 27.3% | 6.13% |
| 23 | Broker Solutions | D | 10 | 3 | 20.0% | 6.88% |
| 24 | Delmar Financial | A | 10 | 7 | 0.0% | 6.49% |
| 25 | Discover Bank | F | 9 | 2 | 55.6% | 7.51% |
Best approval odds in Adams County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | HomeBank | 72 | 0.0% |
| 2 | First Bankers Trust Company | 93 | 3.2% |
| 3 | Flat Branch Mortgage | 56 | 3.6% |
| 4 | Crosscountry Mortgage | 74 | 4.1% |
| 5 | United Community Bank | 177 | 16.4% |
What Adams County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Adams County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,033 | 697 | 13.4% | 6.75% | $115,000 |
| 2024 | 1,085 | 721 | 13.7% | 6.75% | $125,000 |
| 2025 | 1,155 | 753 | 13.6% | 6.63% | $135,000 |
Frequently asked questions
13.6% of applications in Adams County were denied in 2025, against 17.1% statewide in Illinois.
United Community Bank, with 204 applications in 2025 and a denial rate of 14.2%.
The median mortgage application in Adams County in 2025 was for $135,000; the median property value on originated loans was $185,000.