Largest lenders in Shelby County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 30 | 20 | 26.7% | 6.38% |
| 2 | Broker Solutions | D | 22 | 13 | 9.1% | 6.88% |
| 3 | Petefish, Skiles & | C | 21 | 17 | 9.5% | 6.75% |
| 4 | First Mid Bank & Trust | C | 17 | 12 | 5.9% | 7.31% |
| 5 | Mortgage Research Center | C | 15 | 9 | 13.3% | 6.13% |
| 6 | 21st Mortgage | F | 10 | 2 | 30.0% | 11.87% |
| 7 | United Shore Financial Services | B | 10 | 4 | 10.0% | 5.87% |
| 8 | Newrez | D | 10 | 5 | 20.0% | 6.25% |
| 9 | AmeriSave Mortgage | D | 9 | 3 | 55.6% | 7.63% |
| 10 | Regions Bank | C | 8 | 3 | 50.0% | 6.88% |
| 11 | Vanderbilt Mortgage and Finance | F | 8 | 3 | 25.0% | 8.99% |
| 12 | Decatur Earthmover Credit Union | C | 7 | 6 | 14.3% | 6.35% |
| 13 | Pennymac Loan Services | C | 6 | 2 | 33.3% | 8.38% |
| 14 | U.S. Bank | D | 6 | 3 | 50.0% | 7.00% |
| 15 | Scott State Bank | – | 6 | 4 | 16.7% | — |
| 16 | Midland States Bank | C | 6 | 3 | 0.0% | 6.63% |
| 17 | First National Bank of Pana | A | 6 | 6 | 0.0% | — |
| 18 | Fifth Third Bank | D | 5 | 4 | 0.0% | 7.88% |
| 19 | Heartland Bank and Trust | D | 5 | 4 | 0.0% | 7.70% |
| 20 | Citizens Equity First | B | 5 | 5 | 0.0% | 6.88% |
| 21 | New Day Financial | F | 5 | 2 | 0.0% | 6.74% |
| 22 | Busey Bank | C | 5 | 3 | 40.0% | 8.50% |
| 23 | Freedom Mortgage | B | 5 | 2 | 0.0% | 6.87% |
| 24 | Flat Branch Mortgage | A | 5 | 3 | 0.0% | 6.63% |
| 25 | Dieterich Bank | C | 5 | 3 | 20.0% | — |
What Shelby County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Shelby County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 297 | 170 | 22.6% | 6.88% | $95,000 |
| 2024 | 303 | 180 | 20.1% | 6.88% | $105,000 |
| 2025 | 341 | 199 | 15.8% | 6.75% | $115,000 |
Frequently asked questions
15.8% of applications in Shelby County were denied in 2025, against 17.1% statewide in Illinois.
Rocket Mortgage, with 30 applications in 2025 and a denial rate of 26.7%.
The median mortgage application in Shelby County in 2025 was for $115,000; the median property value on originated loans was $165,000.