Largest lenders in De Witt County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Equity First | B | 32 | 19 | 21.9% | 7.50% |
| 2 | First State Mortgage Services | A | 31 | 28 | 0.0% | 6.63% |
| 3 | Broker Solutions | D | 29 | 17 | 6.9% | 6.69% |
| 4 | Rocket Mortgage | C | 27 | 20 | 22.2% | 6.75% |
| 5 | Heartland Bank and Trust | D | 26 | 14 | 30.8% | 7.88% |
| 6 | Flat Branch Mortgage | A | 16 | 15 | 0.0% | 6.50% |
| 7 | Bank of Gibson City | A | 11 | 11 | 0.0% | — |
| 8 | Synergy One Lending | C | 11 | 9 | 18.2% | 6.50% |
| 9 | Mortgage Research Center | C | 10 | 6 | 20.0% | 6.75% |
| 10 | Regions Bank | C | 9 | 7 | 0.0% | 4.99% |
| 11 | Freedom Mortgage | B | 9 | 3 | 0.0% | 6.25% |
| 12 | Busey Bank | C | 8 | 6 | 12.5% | 7.19% |
| 13 | First State Bank of Forrest | A | 8 | 8 | 0.0% | — |
| 14 | Coastal Community Bank | C | 8 | 3 | 0.0% | 12.24% |
| 15 | Morton Community Bank | B | 7 | 6 | 0.0% | 6.63% |
| 16 | United Shore Financial Services | B | 7 | 5 | 14.3% | 5.38% |
| 17 | JPMorgan Chase Bank | B | 5 | 2 | 20.0% | 6.63% |
| 18 | U.S. Bank | D | 5 | 2 | 20.0% | 6.68% |
| 19 | First State Bank and Trust | A | 5 | 4 | 20.0% | — |
| 20 | Point Mortgage | B | 5 | 5 | 0.0% | 6.88% |
What De Witt County borrowers applied for
By loan purpose
By loan type
Why applications were denied
De Witt County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 277 | 192 | 13.0% | 6.99% | $105,000 |
| 2024 | 319 | 209 | 14.1% | 7.00% | $115,000 |
| 2025 | 408 | 281 | 14.2% | 6.75% | $105,000 |
Frequently asked questions
14.2% of applications in De Witt County were denied in 2025, against 17.1% statewide in Illinois.
Citizens Equity First, with 32 applications in 2025 and a denial rate of 21.9%.
The median mortgage application in De Witt County in 2025 was for $105,000; the median property value on originated loans was $175,000.