Largest lenders in Mason County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Equity First | B | 51 | 34 | 17.7% | 7.25% |
| 2 | Petefish, Skiles & | C | 45 | 35 | 13.3% | 6.63% |
| 3 | Morton Community Bank | B | 32 | 24 | 21.9% | 7.19% |
| 4 | Rocket Mortgage | C | 23 | 10 | 39.1% | 7.00% |
| 5 | Flat Branch Mortgage | A | 22 | 19 | 0.0% | 6.75% |
| 6 | Alliance Community Bank | B | 17 | 10 | 41.2% | — |
| 7 | The Havana National Bank | – | 15 | 11 | 20.0% | — |
| 8 | U.S. Bank | D | 10 | 6 | 20.0% | 7.18% |
| 9 | Mortgage Research Center | C | 8 | 7 | 12.5% | 6.63% |
| 10 | United Shore Financial Services | B | 7 | 6 | 0.0% | 6.50% |
| 11 | AmeriSave Mortgage | D | 6 | 1 | 83.3% | 7.63% |
| 12 | Heartland Bank and Trust | D | 5 | 4 | 20.0% | 6.96% |
| 13 | Fairway Independent Mortgage | B | 5 | 5 | 0.0% | 6.75% |
| 14 | Broker Solutions | D | 5 | 3 | 0.0% | 6.81% |
| 15 | Loandepot.Com | D | 5 | 3 | 40.0% | 7.25% |
| 16 | The First National Bank in Tremont | – | 5 | 4 | 20.0% | — |
What Mason County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mason County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 261 | 163 | 16.1% | 7.00% | $75,000 |
| 2024 | 299 | 197 | 20.1% | 6.93% | $85,000 |
| 2025 | 364 | 236 | 20.6% | 6.75% | $85,000 |
Frequently asked questions
20.6% of applications in Mason County were denied in 2025, against 17.1% statewide in Illinois.
Citizens Equity First, with 51 applications in 2025 and a denial rate of 17.7%.
The median mortgage application in Mason County in 2025 was for $85,000; the median property value on originated loans was $125,000.