Largest lenders in Ford County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bank of Gibson City | A | 41 | 40 | 0.0% | — |
| 2 | Broker Solutions | D | 35 | 29 | 5.7% | 6.81% |
| 3 | Flat Branch Mortgage | A | 33 | 31 | 0.0% | 6.63% |
| 4 | Petefish, Skiles & | C | 33 | 18 | 24.2% | 6.63% |
| 5 | Rocket Mortgage | C | 25 | 12 | 32.0% | 6.94% |
| 6 | Vermilion Valley Bank | – | 19 | 19 | 0.0% | — |
| 7 | Heartland Bank and Trust | D | 16 | 6 | 50.0% | 8.13% |
| 8 | First State Bank of Forrest | A | 16 | 14 | 12.5% | — |
| 9 | The Fisher National Bank | A | 11 | 9 | 0.0% | — |
| 10 | Busey Bank | C | 8 | 6 | 12.5% | 6.88% |
| 11 | University of Illinois Community Credit Union | B | 8 | 6 | 0.0% | 5.75% |
| 12 | American Pacific Mortgage | C | 7 | 3 | 28.6% | 6.81% |
| 13 | Loandepot.Com | D | 7 | 5 | 14.3% | 7.88% |
| 14 | Citizens Equity First | B | 6 | 4 | 16.7% | 6.25% |
| 15 | The Gifford State Bank | – | 6 | 5 | 16.7% | — |
| 16 | Midland States Bank | C | 6 | 3 | 16.7% | 6.69% |
| 17 | United Shore Financial Services | B | 6 | 3 | 33.3% | 7.00% |
| 18 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 6.63% |
| 19 | Crosscountry Mortgage | B | 5 | 2 | 0.0% | 7.38% |
| 20 | Longview Bank | A | 5 | 5 | 0.0% | — |
| 21 | Freedom Mortgage | B | 5 | 4 | 0.0% | 5.81% |
| 22 | Bank of Pontiac | A | 5 | 3 | 20.0% | — |
What Ford County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ford County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 330 | 218 | 18.2% | 6.75% | $95,000 |
| 2024 | 375 | 234 | 19.5% | 6.88% | $105,000 |
| 2025 | 423 | 290 | 15.4% | 6.63% | $115,000 |
Frequently asked questions
15.4% of applications in Ford County were denied in 2025, against 17.1% statewide in Illinois.
Bank of Gibson City, with 41 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Ford County in 2025 was for $115,000; the median property value on originated loans was $165,000.