Largest lenders in Ogle County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 97 | 75 | 12.4% | 6.63% |
| 2 | Holcomb Bank | B | 82 | 70 | 3.7% | — |
| 3 | Stillman BancCorp | C | 78 | 60 | 11.5% | 6.67% |
| 4 | GREENSTATE Credit Union | B | 68 | 51 | 5.9% | 6.63% |
| 5 | Central Bank Illinois | A | 57 | 54 | 1.8% | — |
| 6 | United Shore Financial Services | B | 47 | 30 | 12.8% | 6.50% |
| 7 | Mortgage Research Center | C | 43 | 25 | 7.0% | 6.13% |
| 8 | U.S. Bank | D | 36 | 15 | 36.1% | 6.88% |
| 9 | Byron Bank | B | 32 | 25 | 9.4% | — |
| 10 | Guaranteed Rate | B | 30 | 27 | 0.0% | 6.75% |
| 11 | Union Savings Bank | B | 30 | 26 | 3.3% | — |
| 12 | Guild Mortgage | A | 29 | 26 | 0.0% | 6.75% |
| 13 | First Mid Bank & Trust | C | 26 | 20 | 7.7% | 6.63% |
| 14 | Envoy Mortgage | D | 26 | 22 | 0.0% | 6.88% |
| 15 | Pennymac Loan Services | C | 24 | 13 | 0.0% | 6.49% |
| 16 | Spring Eq | D | 22 | 8 | 36.4% | 9.11% |
| 17 | Loandepot.Com | D | 22 | 14 | 27.3% | 6.87% |
| 18 | Coastal Community Bank | C | 22 | 4 | 0.0% | 11.87% |
| 19 | Rock Valley Credit Union | C | 21 | 21 | 0.0% | 6.08% |
| 20 | Freedom Mortgage | B | 20 | 7 | 10.0% | 5.88% |
| 21 | Broker Solutions | D | 20 | 8 | 15.0% | 6.81% |
| 22 | FIRST NORTHERN Credit Union | C | 19 | 18 | 0.0% | 6.93% |
| 23 | Members Alliance Credit Union | C | 19 | 12 | 10.5% | 6.75% |
| 24 | First National Bank of Omaha | C | 18 | 13 | 22.2% | 6.99% |
| 25 | JPMorgan Chase Bank | B | 18 | 12 | 16.7% | 6.62% |
Best approval odds in Ogle County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Central Bank Illinois | 55 | 1.8% |
| 2 | Holcomb Bank | 73 | 4.1% |
| 3 | GREENSTATE Credit Union | 58 | 6.9% |
| 4 | Stillman BancCorp | 74 | 12.2% |
| 5 | Rocket Mortgage | 90 | 13.3% |
What Ogle County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ogle County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,152 | 749 | 15.2% | 6.80% | $130,000 |
| 2024 | 1,294 | 843 | 15.5% | 6.88% | $135,000 |
| 2025 | 1,496 | 1,001 | 13.0% | 6.75% | $145,000 |
Frequently asked questions
13.0% of applications in Ogle County were denied in 2025, against 17.1% statewide in Illinois.
Rocket Mortgage, with 97 applications in 2025 and a denial rate of 12.4%.
The median mortgage application in Ogle County in 2025 was for $145,000; the median property value on originated loans was $245,000.