Largest lenders in Johnson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 25 | 19 | 16.0% | 6.13% |
| 2 | Vanderbilt Mortgage and Finance | F | 20 | 5 | 30.0% | 8.75% |
| 3 | Unnamed lender 549300MEMKSF7703ZQ25 | A | 17 | 15 | 0.0% | — |
| 4 | Mortgage Research Center | C | 17 | 8 | 17.7% | 6.50% |
| 5 | Regions Bank | C | 14 | 5 | 50.0% | 4.99% |
| 6 | U.S. Bank | D | 13 | 9 | 23.1% | 6.38% |
| 7 | Firsttrust Home Loans | B | 13 | 10 | 0.0% | 6.37% |
| 8 | Banterra Bank | C | 12 | 3 | 16.7% | 6.50% |
| 9 | Guild Mortgage | A | 12 | 11 | 0.0% | 6.63% |
| 10 | United Shore Financial Services | B | 11 | 9 | 9.1% | 5.99% |
| 11 | Farmers State Bank of Alto Pass, Ill. | B | 9 | 7 | 11.1% | — |
| 12 | 21st Mortgage | F | 8 | 2 | 37.5% | 10.18% |
| 13 | Fifth Third Bank | D | 7 | 4 | 42.9% | 7.50% |
| 14 | Peoples National Bank | C | 6 | 4 | 33.3% | 6.44% |
| 15 | Equity Prime Mortgage | D | 6 | 3 | 0.0% | 6.13% |
| 16 | Premier Mortgage Resources | B | 6 | 2 | 0.0% | 7.19% |
| 17 | Loandepot.Com | D | 6 | 2 | 33.3% | 6.50% |
| 18 | SIU Credit Union | C | 5 | 3 | 20.0% | — |
| 19 | Triad Financial Services | D | 5 | 0 | 100.0% | — |
| 20 | Navy Federal Credit Union | D | 5 | 0 | 60.0% | — |
What Johnson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Johnson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 277 | 156 | 20.2% | 6.99% | $135,000 |
| 2024 | 293 | 148 | 22.2% | 6.75% | $135,000 |
| 2025 | 319 | 165 | 24.5% | 6.50% | $135,000 |
Frequently asked questions
24.5% of applications in Johnson County were denied in 2025, against 17.1% statewide in Illinois.
Rocket Mortgage, with 25 applications in 2025 and a denial rate of 16.0%.
The median mortgage application in Johnson County in 2025 was for $135,000; the median property value on originated loans was $205,000.