Largest lenders in Douglas County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Longview Bank | A | 52 | 51 | 1.9% | 6.25% |
| 2 | Broker Solutions | D | 39 | 28 | 10.3% | 6.88% |
| 3 | First State Bank and Trust | A | 34 | 29 | 5.9% | — |
| 4 | Morton Community Bank | B | 31 | 21 | 19.4% | 7.00% |
| 5 | Flat Branch Mortgage | A | 27 | 25 | 0.0% | 6.75% |
| 6 | Rocket Mortgage | C | 26 | 14 | 30.8% | 6.99% |
| 7 | First Mid Bank & Trust | C | 25 | 18 | 16.0% | 7.50% |
| 8 | Busey Bank | C | 17 | 13 | 11.8% | 6.63% |
| 9 | Mortgage Research Center | C | 16 | 11 | 12.5% | 6.50% |
| 10 | Coastal Community Bank | C | 13 | 3 | 0.0% | 8.49% |
| 11 | United Shore Financial Services | B | 11 | 9 | 18.2% | 6.13% |
| 12 | Pennymac Loan Services | C | 9 | 3 | 11.1% | 6.49% |
| 13 | University of Illinois Community Credit Union | B | 9 | 8 | 0.0% | 6.00% |
| 14 | Midland States Bank | C | 8 | 5 | 12.5% | 6.75% |
| 15 | Gershman Investment | B | 8 | 5 | 0.0% | 6.38% |
| 16 | First State Mortgage Services | A | 8 | 6 | 0.0% | 6.25% |
| 17 | AmeriSave Mortgage | D | 7 | 3 | 57.1% | 6.75% |
| 18 | Freedom Mortgage | B | 7 | 4 | 14.3% | 6.31% |
| 19 | Community Banc Mortgage | C | 7 | 4 | 14.3% | 6.31% |
| 20 | Prairie State Bank and Trust | A | 7 | 7 | 0.0% | 7.25% |
| 21 | Citizens Equity First | B | 6 | 3 | 33.3% | 7.38% |
| 22 | Carrington Mortgage Services | D | 6 | 4 | 16.7% | 6.44% |
| 23 | Newrez | D | 6 | 2 | 16.7% | 7.38% |
| 24 | Primelending, a Plainscapital | A | 6 | 4 | 16.7% | 6.87% |
| 25 | Discover Bank | F | 5 | 1 | 40.0% | 8.44% |
Best approval odds in Douglas County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Longview Bank | 52 | 1.9% |
What Douglas County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Douglas County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 404 | 282 | 13.4% | 6.88% | $105,000 |
| 2024 | 378 | 269 | 14.0% | 6.99% | $115,000 |
| 2025 | 485 | 329 | 13.6% | 6.75% | $115,000 |
Frequently asked questions
13.6% of applications in Douglas County were denied in 2025, against 17.1% statewide in Illinois.
Longview Bank, with 52 applications in 2025 and a denial rate of 1.9%.
The median mortgage application in Douglas County in 2025 was for $115,000; the median property value on originated loans was $175,000.