Largest lenders in Saline County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Peoples National Bank | C | 56 | 36 | 16.1% | 6.50% |
| 2 | Rocket Mortgage | C | 42 | 22 | 28.6% | 7.25% |
| 3 | Farmers State Bank of Alto Pass, Ill. | B | 40 | 37 | 0.0% | — |
| 4 | Vanderbilt Mortgage and Finance | F | 32 | 4 | 37.5% | 8.50% |
| 5 | Mortgage Research Center | C | 23 | 10 | 26.1% | 6.31% |
| 6 | Legence Bank | – | 22 | 13 | 22.7% | — |
| 7 | Banterra Bank | C | 19 | 8 | 15.8% | 6.75% |
| 8 | Guild Mortgage | A | 18 | 17 | 0.0% | 6.63% |
| 9 | U.S. Bank | D | 15 | 6 | 40.0% | 6.63% |
| 10 | Broker Solutions | D | 15 | 2 | 13.3% | 7.00% |
| 11 | 21st Mortgage | F | 14 | 2 | 35.7% | 10.32% |
| 12 | Premier Mortgage Resources | B | 14 | 12 | 0.0% | 6.75% |
| 13 | AmeriSave Mortgage | D | 13 | 3 | 69.2% | 7.13% |
| 14 | United Shore Financial Services | B | 11 | 7 | 0.0% | 6.12% |
| 15 | First Mid Bank & Trust | C | 10 | 8 | 10.0% | 6.38% |
| 16 | Figure Lending | C | 10 | 3 | 60.0% | 10.90% |
| 17 | SIU Credit Union | C | 9 | 8 | 0.0% | — |
| 18 | Pennymac Loan Services | C | 8 | 3 | 12.5% | 6.50% |
| 19 | Coastal Community Bank | C | 8 | 0 | 0.0% | — |
| 20 | Discover Bank | F | 7 | 2 | 71.4% | 7.36% |
| 21 | Guaranteed Rate | B | 6 | 3 | 0.0% | 6.88% |
| 22 | Freedom Mortgage | B | 6 | 3 | 16.7% | 6.75% |
| 23 | Mutual of Omaha Mortgage | C | 5 | 2 | 20.0% | 6.81% |
| 24 | Newrez | D | 5 | 0 | 20.0% | — |
| 25 | Loandepot.Com | D | 5 | 3 | 20.0% | 6.63% |
What Saline County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Saline County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 412 | 219 | 25.7% | 6.75% | $85,000 |
| 2024 | 490 | 271 | 22.0% | 6.88% | $105,000 |
| 2025 | 545 | 273 | 21.1% | 6.63% | $95,000 |
Frequently asked questions
21.1% of applications in Saline County were denied in 2025, against 17.1% statewide in Illinois.
Peoples National Bank, with 56 applications in 2025 and a denial rate of 16.1%.
The median mortgage application in Saline County in 2025 was for $95,000; the median property value on originated loans was $155,000.