Largest lenders in Carroll County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 23 | 15 | 30.4% | 6.63% |
| 2 | U.S. Bank | D | 19 | 9 | 36.8% | 6.63% |
| 3 | R.I.A. Federal Credit Union | D | 18 | 11 | 33.3% | 5.99% |
| 4 | GREENSTATE Credit Union | B | 17 | 14 | 5.9% | 6.88% |
| 5 | Mortgage Research Center | C | 15 | 9 | 6.7% | 6.13% |
| 6 | Broker Solutions | D | 13 | 6 | 23.1% | 6.75% |
| 7 | Fidelity Bank | A | 13 | 11 | 0.0% | — |
| 8 | AmeriSave Mortgage | D | 12 | 1 | 91.7% | 6.00% |
| 9 | Fifth Third Bank | D | 10 | 5 | 40.0% | 7.50% |
| 10 | Fairway Independent Mortgage | B | 10 | 7 | 10.0% | 6.81% |
| 11 | United Shore Financial Services | B | 10 | 9 | 0.0% | 5.88% |
| 12 | Guaranteed Rate | B | 9 | 3 | 22.2% | 6.80% |
| 13 | JPMorgan Chase Bank | B | 8 | 4 | 25.0% | 6.69% |
| 14 | Guild Mortgage | A | 8 | 6 | 0.0% | 6.88% |
| 15 | Pennymac Loan Services | C | 7 | 4 | 14.3% | 6.50% |
| 16 | Central Bank Illinois | A | 6 | 5 | 0.0% | — |
| 17 | Dupaco Community | A | 6 | 5 | 0.0% | 6.38% |
| 18 | ASCENTRA Credit Union | C | 6 | 1 | 66.7% | 6.50% |
| 19 | Compeer Financial, Flca | C | 6 | 4 | 16.7% | 7.11% |
| 20 | Kiavi Funding | D | 6 | 0 | 0.0% | — |
| 21 | Farmers National Bank | A | 6 | 6 | 0.0% | — |
| 22 | Crosscountry Mortgage | B | 5 | 1 | 40.0% | 6.88% |
| 23 | Newrez | D | 5 | 1 | 20.0% | 7.25% |
| 24 | Sauk Valley Bank & Trust | B | 5 | 5 | 0.0% | — |
What Carroll County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Carroll County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 246 | 162 | 15.0% | 6.75% | $105,000 |
| 2024 | 289 | 166 | 18.3% | 6.75% | $105,000 |
| 2025 | 378 | 226 | 21.2% | 6.63% | $115,000 |
Frequently asked questions
21.2% of applications in Carroll County were denied in 2025, against 17.1% statewide in Illinois.
Rocket Mortgage, with 23 applications in 2025 and a denial rate of 30.4%.
The median mortgage application in Carroll County in 2025 was for $115,000; the median property value on originated loans was $195,000.