Largest lenders in Fayette County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The FNB Community Bank | B | 54 | 47 | 9.3% | — |
| 2 | Midland States Bank | C | 48 | 26 | 25.0% | 6.63% |
| 3 | Rocket Mortgage | C | 33 | 21 | 33.3% | 6.50% |
| 4 | Broker Solutions | D | 23 | 14 | 13.0% | 7.13% |
| 5 | Scott Credit Union | C | 21 | 16 | 4.8% | 6.31% |
| 6 | Petefish, Skiles & | C | 19 | 10 | 26.3% | 7.13% |
| 7 | The Peoples State Bank of Newton, Illinois | B | 17 | 13 | 11.8% | — |
| 8 | AmeriSave Mortgage | D | 15 | 0 | 66.7% | — |
| 9 | Dieterich Bank | C | 14 | 10 | 7.1% | — |
| 10 | Mortgage Research Center | C | 12 | 6 | 25.0% | 6.25% |
| 11 | Vanderbilt Mortgage and Finance | F | 10 | 0 | 10.0% | — |
| 12 | 21st Mortgage | F | 8 | 1 | 50.0% | 9.54% |
| 13 | Fairway Independent Mortgage | B | 7 | 7 | 0.0% | 6.75% |
| 14 | Loandepot.Com | D | 7 | 3 | 57.1% | 5.99% |
| 15 | Pennymac Loan Services | C | 6 | 3 | 33.3% | 6.25% |
| 16 | Fifth Third Bank | D | 6 | 3 | 33.3% | 6.63% |
| 17 | FCB Banks | C | 6 | 6 | 0.0% | 6.85% |
| 18 | Bank of Hillsboro | C | 6 | 4 | 16.7% | 6.19% |
| 19 | United Shore Financial Services | B | 6 | 2 | 16.7% | 5.62% |
| 20 | Bank of America | F | 5 | 1 | 80.0% | 6.99% |
| 21 | Carrington Mortgage Services | D | 5 | 0 | 60.0% | — |
| 22 | Freedom Mortgage | B | 5 | 2 | 0.0% | 6.25% |
| 23 | Newrez | D | 5 | 0 | 40.0% | — |
| 24 | The Bradford National Bank of Greenville | A | 5 | 2 | 20.0% | — |
| 25 | Coastal Community Bank | C | 5 | 0 | 0.0% | — |
Best approval odds in Fayette County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The FNB Community Bank | 52 | 9.6% |
What Fayette County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fayette County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 406 | 227 | 23.7% | 6.75% | $105,000 |
| 2024 | 404 | 231 | 23.3% | 6.75% | $105,000 |
| 2025 | 433 | 245 | 21.3% | 6.63% | $115,000 |
Frequently asked questions
21.3% of applications in Fayette County were denied in 2025, against 17.1% statewide in Illinois.
The FNB Community Bank, with 54 applications in 2025 and a denial rate of 9.3%.
The median mortgage application in Fayette County in 2025 was for $115,000; the median property value on originated loans was $175,000.