Largest lenders in Clinton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | FCB Banks | C | 241 | 212 | 5.0% | 6.99% |
| 2 | Scott Credit Union | C | 51 | 31 | 23.5% | 6.75% |
| 3 | Dieterich Bank | C | 49 | 37 | 8.2% | — |
| 4 | Germantown Trust & Savings Bank | – | 49 | 46 | 6.1% | — |
| 5 | U.S. Bank | D | 44 | 16 | 47.7% | 7.19% |
| 6 | Rocket Mortgage | C | 40 | 30 | 17.5% | 7.06% |
| 7 | Delmar Financial | A | 39 | 34 | 0.0% | 6.63% |
| 8 | Regions Bank | C | 34 | 18 | 26.5% | 4.99% |
| 9 | Mortgage Research Center | C | 26 | 16 | 15.4% | 6.06% |
| 10 | 1NB Bank | – | 26 | 22 | 11.5% | — |
| 11 | Farmers State Bank of Hoffman | – | 22 | 19 | 9.1% | — |
| 12 | Flat Branch Mortgage | A | 21 | 19 | 9.5% | 6.38% |
| 13 | Broker Solutions | D | 21 | 13 | 4.8% | 6.75% |
| 14 | The Bradford National Bank of Greenville | A | 18 | 13 | 5.6% | — |
| 15 | United Shore Financial Services | B | 17 | 13 | 11.8% | 6.00% |
| 16 | Pennymac Loan Services | C | 16 | 8 | 12.5% | 6.38% |
| 17 | Pike Creek Mortgage Services | B | 15 | 11 | 6.7% | 6.50% |
| 18 | Guaranteed Rate | B | 12 | 8 | 0.0% | 6.59% |
| 19 | Midland States Bank | C | 11 | 5 | 45.5% | 5.99% |
| 20 | Newrez | D | 11 | 4 | 9.1% | 8.44% |
| 21 | Navy Federal Credit Union | D | 11 | 7 | 9.1% | 9.50% |
| 22 | Freedom Mortgage | B | 10 | 5 | 10.0% | 6.88% |
| 23 | First Mid Bank & Trust | C | 9 | 7 | 11.1% | 7.50% |
| 24 | Nationstar Mortgage | C | 9 | 7 | 11.1% | 6.49% |
| 25 | Endeavor Capital, LLC. | C | 9 | 8 | 0.0% | 6.63% |
Best approval odds in Clinton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | FCB Banks | 224 | 5.4% |
What Clinton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clinton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 936 | 649 | 13.6% | 6.95% | $115,000 |
| 2024 | 933 | 664 | 13.8% | 7.00% | $135,000 |
| 2025 | 1,067 | 747 | 14.4% | 6.75% | $135,000 |
Frequently asked questions
14.4% of applications in Clinton County were denied in 2025, against 17.1% statewide in Illinois.
FCB Banks, with 241 applications in 2025 and a denial rate of 5.0%.
The median mortgage application in Clinton County in 2025 was for $135,000; the median property value on originated loans was $245,000.