Largest lenders in Edgar County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Longview Bank | A | 72 | 65 | 1.4% | — |
| 2 | First Mid Bank & Trust | C | 55 | 30 | 34.6% | 7.50% |
| 3 | Rocket Mortgage | C | 27 | 18 | 22.2% | 6.88% |
| 4 | First Farmers Bank & Trust | C | 22 | 13 | 27.3% | 7.63% |
| 5 | Ruoff Mortgage Company | A | 17 | 14 | 5.9% | 6.94% |
| 6 | Prospect Bank | – | 16 | 14 | 12.5% | — |
| 7 | First Financial Bank | C | 16 | 9 | 37.5% | 6.12% |
| 8 | Mortgage Research Center | C | 16 | 8 | 31.3% | 6.75% |
| 9 | AmeriSave Mortgage | D | 12 | 3 | 50.0% | 6.88% |
| 10 | Broker Solutions | D | 12 | 4 | 16.7% | 6.69% |
| 11 | Fifth Third Bank | D | 7 | 1 | 42.9% | 8.74% |
| 12 | Flat Branch Mortgage | A | 7 | 5 | 0.0% | 6.38% |
| 13 | Newrez | D | 7 | 1 | 71.4% | 9.25% |
| 14 | Coastal Community Bank | C | 6 | 1 | 0.0% | 7.49% |
| 15 | Regions Bank | C | 5 | 2 | 60.0% | 5.93% |
| 16 | Freedom Mortgage | B | 5 | 3 | 20.0% | 6.25% |
| 17 | Decatur Earthmover Credit Union | C | 5 | 3 | 0.0% | 6.30% |
Best approval odds in Edgar County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Longview Bank | 70 | 1.4% |
What Edgar County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Edgar County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 349 | 234 | 18.3% | 7.00% | $65,000 |
| 2024 | 412 | 258 | 20.2% | 6.88% | $75,000 |
| 2025 | 420 | 249 | 21.9% | 6.88% | $75,000 |
Frequently asked questions
21.9% of applications in Edgar County were denied in 2025, against 17.1% statewide in Illinois.
Longview Bank, with 72 applications in 2025 and a denial rate of 1.4%.
The median mortgage application in Edgar County in 2025 was for $75,000; the median property value on originated loans was $135,000.