Largest lenders in Jackson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Regions Bank | C | 87 | 39 | 44.8% | 4.99% |
| 2 | SIU Credit Union | C | 62 | 41 | 8.1% | — |
| 3 | Guild Mortgage | A | 60 | 46 | 3.3% | 6.63% |
| 4 | Rocket Mortgage | C | 54 | 34 | 14.8% | 7.13% |
| 5 | Mortgage Research Center | C | 39 | 23 | 15.4% | 6.63% |
| 6 | Gershman Investment | B | 38 | 20 | 5.3% | 6.88% |
| 7 | U.S. Bank | D | 32 | 19 | 28.1% | 6.88% |
| 8 | First Mid Bank & Trust | C | 31 | 16 | 32.3% | 7.50% |
| 9 | Vanderbilt Mortgage and Finance | F | 27 | 3 | 29.6% | 10.99% |
| 10 | Pennymac Loan Services | C | 25 | 9 | 12.0% | 5.99% |
| 11 | The First National Bank of Ava | – | 22 | 11 | 27.3% | — |
| 12 | Broker Solutions | D | 22 | 13 | 4.6% | 6.93% |
| 13 | United Shore Financial Services | B | 20 | 10 | 35.0% | 6.31% |
| 14 | Premier Mortgage Resources | B | 20 | 15 | 0.0% | 7.00% |
| 15 | Firsttrust Home Loans | B | 20 | 17 | 0.0% | 6.38% |
| 16 | 21st Mortgage | F | 18 | 3 | 27.8% | 10.66% |
| 17 | Navy Federal Credit Union | D | 16 | 5 | 12.5% | 6.25% |
| 18 | Figure Lending | C | 16 | 10 | 12.5% | 9.28% |
| 19 | AmeriSave Mortgage | D | 15 | 2 | 80.0% | 7.81% |
| 20 | Banterra Bank | C | 15 | 7 | 6.7% | 6.75% |
| 21 | Community Banc Mortgage | C | 15 | 10 | 6.7% | 6.56% |
| 22 | Wolfe Financial | C | 12 | 8 | 0.0% | 6.75% |
| 23 | Fifth Third Bank | D | 10 | 8 | 20.0% | 6.68% |
| 24 | Crosscountry Mortgage | B | 10 | 2 | 30.0% | 6.87% |
| 25 | Peoples National Bank | C | 10 | 9 | 0.0% | 6.88% |
Best approval odds in Jackson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 50 | 4.0% |
| 2 | SIU Credit Union | 50 | 10.0% |
| 3 | Regions Bank | 84 | 46.4% |
What Jackson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jackson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 914 | 521 | 22.5% | 6.88% | $95,000 |
| 2024 | 905 | 461 | 22.1% | 6.75% | $105,000 |
| 2025 | 973 | 500 | 20.4% | 6.75% | $105,000 |
Frequently asked questions
20.4% of applications in Jackson County were denied in 2025, against 17.1% statewide in Illinois.
Regions Bank, with 87 applications in 2025 and a denial rate of 44.8%.
The median mortgage application in Jackson County in 2025 was for $105,000; the median property value on originated loans was $165,000.