Largest lenders in Livingston County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bank of Pontiac | A | 161 | 138 | 3.1% | — |
| 2 | First State Bank of Forrest | A | 113 | 94 | 7.1% | — |
| 3 | Streator Onized Credit Union | D | 50 | 30 | 26.0% | — |
| 4 | Loandepot.Com | D | 43 | 31 | 14.0% | 6.88% |
| 5 | Rocket Mortgage | C | 36 | 25 | 16.7% | 6.49% |
| 6 | Flanagan State Bank | D | 31 | 25 | 3.2% | 7.00% |
| 7 | 21st Mortgage | F | 26 | 2 | 76.9% | 10.02% |
| 8 | Guaranteed Rate | B | 26 | 14 | 3.9% | 6.71% |
| 9 | United Community Bank | C | 25 | 18 | 0.0% | 6.50% |
| 10 | Citizens Equity First | B | 23 | 13 | 8.7% | 6.75% |
| 11 | Mortgage Research Center | C | 22 | 15 | 13.6% | 6.25% |
| 12 | Vermilion Valley Bank | – | 19 | 19 | 0.0% | — |
| 13 | United Shore Financial Services | B | 18 | 17 | 5.6% | 6.99% |
| 14 | First State Mortgage Services | A | 18 | 16 | 0.0% | 6.50% |
| 15 | Compeer Financial, Flca | C | 16 | 13 | 6.3% | 7.50% |
| 16 | First Financial Bank | C | 16 | 6 | 43.8% | 5.81% |
| 17 | Pennymac Loan Services | C | 15 | 10 | 13.3% | 5.88% |
| 18 | AmeriSave Mortgage | D | 15 | 2 | 66.7% | 9.75% |
| 19 | Morton Community Bank | B | 15 | 15 | 0.0% | 7.00% |
| 20 | U.S. Bank | D | 13 | 8 | 23.1% | 6.69% |
| 21 | Midland States Bank | C | 12 | 8 | 33.3% | 5.99% |
| 22 | Flat Branch Mortgage | A | 12 | 11 | 0.0% | 6.38% |
| 23 | Broker Solutions | D | 12 | 8 | 0.0% | 6.88% |
| 24 | Coastal Community Bank | C | 12 | 2 | 0.0% | 9.62% |
| 25 | PNC Bank | D | 11 | 4 | 27.3% | 6.69% |
Best approval odds in Livingston County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Bank of Pontiac | 147 | 3.4% |
| 2 | First State Bank of Forrest | 111 | 7.2% |
What Livingston County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Livingston County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 954 | 654 | 15.9% | 7.00% | $75,000 |
| 2024 | 907 | 606 | 15.0% | 7.00% | $95,000 |
| 2025 | 1,079 | 719 | 15.0% | 6.74% | $105,000 |
Frequently asked questions
15.0% of applications in Livingston County were denied in 2025, against 17.1% statewide in Illinois.
Bank of Pontiac, with 161 applications in 2025 and a denial rate of 3.1%.
The median mortgage application in Livingston County in 2025 was for $105,000; the median property value on originated loans was $185,000.