Largest lenders in Champaign County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Broker Solutions | D | 453 | 315 | 4.9% | 6.88% |
| 2 | Busey Bank | C | 370 | 274 | 9.5% | 6.94% |
| 3 | University of Illinois Community Credit Union | B | 202 | 160 | 3.5% | 5.50% |
| 4 | Rocket Mortgage | C | 198 | 141 | 22.7% | 6.88% |
| 5 | Flat Branch Mortgage | A | 178 | 158 | 1.1% | 6.63% |
| 6 | The Fisher National Bank | A | 145 | 130 | 2.8% | — |
| 7 | Midland States Bank | C | 141 | 126 | 5.7% | 6.63% |
| 8 | PNC Bank | D | 121 | 68 | 24.0% | 7.59% |
| 9 | Primelending, a Plainscapital | A | 110 | 84 | 3.6% | 6.63% |
| 10 | First Federal Savings Bank of Champaign Urbana | A | 104 | 100 | 1.0% | — |
| 11 | JPMorgan Chase Bank | B | 102 | 68 | 4.9% | 6.38% |
| 12 | Longview Bank | A | 91 | 88 | 0.0% | — |
| 13 | Iroquois Federal Savings and Loan Association | B | 83 | 68 | 4.8% | — |
| 14 | Bank of Springfield | B | 80 | 63 | 6.3% | 6.50% |
| 15 | United Shore Financial Services | B | 78 | 52 | 16.7% | 6.62% |
| 16 | Mortgage Research Center | C | 77 | 47 | 13.0% | 6.25% |
| 17 | First Mid Bank & Trust | C | 76 | 50 | 21.1% | 7.00% |
| 18 | Pennymac Loan Services | C | 65 | 29 | 12.3% | 6.25% |
| 19 | Hickory Point Bank and Trust | B | 62 | 52 | 3.2% | — |
| 20 | Morton Community Bank | B | 60 | 53 | 1.7% | 7.00% |
| 21 | INB | B | 53 | 40 | 3.8% | 6.70% |
| 22 | Point Mortgage | B | 53 | 49 | 0.0% | 6.56% |
| 23 | Coastal Community Bank | C | 52 | 17 | 0.0% | 12.24% |
| 24 | AmeriSave Mortgage | D | 49 | 8 | 65.3% | 8.88% |
| 25 | 21st Mortgage | F | 49 | 6 | 63.3% | 12.28% |
Best approval odds in Champaign County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Point Mortgage | 51 | 0.0% |
| 2 | Longview Bank | 89 | 0.0% |
| 3 | First Federal Savings Bank of Champaign Urbana | 101 | 1.0% |
| 4 | Flat Branch Mortgage | 162 | 1.2% |
| 5 | Morton Community Bank | 55 | 1.8% |
| 6 | The Fisher National Bank | 145 | 2.8% |
| 7 | Hickory Point Bank and Trust | 54 | 3.7% |
| 8 | University of Illinois Community Credit Union | 167 | 4.2% |
| 9 | Primelending, a Plainscapital | 89 | 4.5% |
| 10 | Iroquois Federal Savings and Loan Association | 75 | 5.3% |
What Champaign County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Champaign County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,011 | 2,857 | 12.3% | 6.80% | $135,000 |
| 2024 | 4,247 | 2,926 | 13.7% | 6.99% | $155,000 |
| 2025 | 4,749 | 3,187 | 12.6% | 6.75% | $165,000 |
Frequently asked questions
12.6% of applications in Champaign County were denied in 2025, against 17.1% statewide in Illinois.
Broker Solutions, with 453 applications in 2025 and a denial rate of 4.9%.
The median mortgage application in Champaign County in 2025 was for $165,000; the median property value on originated loans was $255,000.