Largest lenders in Logan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Equity First | B | 130 | 82 | 14.6% | 7.50% |
| 2 | Regions Bank | C | 47 | 29 | 31.9% | 4.99% |
| 3 | DAS Acquisition Company | B | 46 | 43 | 2.2% | 6.99% |
| 4 | Heartland Bank and Trust | D | 44 | 30 | 18.2% | 7.86% |
| 5 | First State Mortgage Services | A | 42 | 34 | 7.1% | 6.63% |
| 6 | Bank of Gibson City | A | 38 | 36 | 2.6% | — |
| 7 | Hickory Point Bank and Trust | B | 36 | 31 | 2.8% | — |
| 8 | United Community Bank | C | 29 | 24 | 0.0% | 6.63% |
| 9 | Rocket Mortgage | C | 28 | 18 | 28.6% | 6.99% |
| 10 | The First National Bank in Tremont | – | 28 | 24 | 10.7% | — |
| 11 | Synergy One Lending | C | 25 | 23 | 4.0% | 6.69% |
| 12 | Unnamed lender 549300Q6X2WV4PYYV564 | – | 21 | 17 | 9.5% | — |
| 13 | Mortgage Research Center | C | 20 | 10 | 30.0% | 6.25% |
| 14 | INB | B | 18 | 15 | 0.0% | 6.88% |
| 15 | Alliance Community Bank | B | 18 | 13 | 5.6% | — |
| 16 | Broker Solutions | D | 17 | 8 | 11.8% | 6.50% |
| 17 | Flat Branch Mortgage | A | 15 | 15 | 0.0% | 6.63% |
| 18 | United Shore Financial Services | B | 13 | 13 | 0.0% | 6.12% |
| 19 | PNC Bank | D | 12 | 4 | 25.0% | 6.67% |
| 20 | Bank of Springfield | B | 12 | 9 | 8.3% | 7.15% |
| 21 | New Day Financial | F | 11 | 3 | 36.4% | 7.25% |
| 22 | Loandepot.Com | D | 10 | 5 | 30.0% | 6.37% |
| 23 | Pennymac Loan Services | C | 9 | 2 | 11.1% | 5.99% |
| 24 | Carrington Mortgage Services | D | 9 | 3 | 11.1% | 6.13% |
| 25 | Coastal Community Bank | C | 9 | 1 | 0.0% | 12.99% |
Best approval odds in Logan County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Citizens Equity First | 102 | 18.6% |
What Logan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Logan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 689 | 460 | 13.5% | 6.88% | $85,000 |
| 2024 | 744 | 524 | 16.0% | 6.89% | $95,000 |
| 2025 | 880 | 597 | 14.3% | 6.83% | $95,000 |
Frequently asked questions
14.3% of applications in Logan County were denied in 2025, against 17.1% statewide in Illinois.
Citizens Equity First, with 130 applications in 2025 and a denial rate of 14.6%.
The median mortgage application in Logan County in 2025 was for $95,000; the median property value on originated loans was $155,000.