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Rock Island County, Illinois · 2025

Mortgage lenders in Rock Island County, IL: denial rates and top lenders (2025)

200 lenders acted on 4,476 mortgage applications for properties in Rock Island County in 2025. 15.2% were denied (Illinois: 17.1%). Median rate on closed loans 6.58%; median loan $105,000; median property value $175,000.

4.5kApplications
15.2%Denial ratestate 17.1%
6.58%Median ratestate 6.75%
$105,000Median loan
$175,000Median property value

Largest lenders in Rock Island County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 I. H. Mississippi Valley Credit Union B 446287 15.0%6.38%
2 GREENSTATE Credit Union B 329259 4.3%6.50%
3 Empeople Credit Union C 265175 21.5%6.49%
4 ASCENTRA Credit Union C 198140 18.7%6.50%
5 Rocket Mortgage C 177135 17.5%6.75%
6 Bankorion C 162135 5.6%—
7 Broker Solutions D 161102 9.9%6.64%
8 Blackhawk Bank & Trust C 155117 11.0%—
9 Guaranteed Rate B 151111 2.0%6.65%
10 Ruhl Mortgage A 131107 1.5%6.38%
11 R.I.A. Federal Credit Union D 11576 18.3%5.99%
12 U.S. Bank D 10545 40.0%7.50%
13 Lower C 9977 5.1%6.88%
14 Mortgage Research Center C 9851 10.2%6.31%
15 Loandepot.Com D 9464 10.6%6.75%
16 American Bank and Trust Company B 9171 11.0%6.75%
17 CBI Bank & Trust C 8868 13.6%7.25%
18 Fairway Independent Mortgage B 7755 2.6%6.75%
19 United Shore Financial Services B 7754 7.8%6.42%
20 Newrez D 7223 27.8%6.25%
21 Kiavi Funding D 5224 0.0%7.50%
22 Freedom Mortgage B 5117 19.6%6.25%
23 Marine Credit Union F 4812 47.9%9.79%
24 Pennymac Loan Services C 4519 6.7%6.13%
25 Crosscountry Mortgage B 4229 4.8%6.95%

Best approval odds in Rock Island County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Ruhl Mortgage1091.8%
2Guaranteed Rate1142.6%
3Fairway Independent Mortgage583.5%
4GREENSTATE Credit Union2835.0%
5Bankorion1575.7%
6Lower826.1%
7United Shore Financial Services619.8%
8American Bank and Trust Company8711.5%
9Blackhawk Bank & Trust13512.6%
10Loandepot.Com7613.2%

What Rock Island County borrowers applied for

By loan purpose

Home purchase 2,266 51% · 8.5% denied
Refinance 763 17% · 13.0% denied
Cash-out refinance 583 13% · 24.0% denied
Home improvement 327 7% · 25.7% denied
Other / HELOC 537 12% · 30.9% denied

By loan type

Conventional 3,492 78% · 15.4% denied
FHA 632 14% · 15.2% denied
VA 348 8% · 13.5% denied
USDA / RHS 4 0% · 50.0% denied

Why applications were denied

Credit history 219 34%
Debt-to-income ratio 204 32%
Collateral 82 13%
Incomplete application 59 9%
Other 48 7%
Unverifiable information 14 2%
Employment history 10 2%
Insufficient cash 9 1%
Mortgage insurance denied 1 0%

Rock Island County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,7332,43215.1%6.75%$95,000
20244,0962,59116.1%6.75%$105,000
20254,4762,87215.2%6.58%$105,000

Frequently asked questions

15.2% of applications in Rock Island County were denied in 2025, against 17.1% statewide in Illinois.

I. H. Mississippi Valley Credit Union, with 446 applications in 2025 and a denial rate of 15.0%.

The median mortgage application in Rock Island County in 2025 was for $105,000; the median property value on originated loans was $175,000.