Largest lenders in Union County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Southern Bank | A | 26 | 17 | 0.0% | 7.45% |
| 2 | Rocket Mortgage | C | 26 | 19 | 15.4% | 6.75% |
| 3 | Firsttrust Home Loans | B | 22 | 20 | 0.0% | 6.63% |
| 4 | Mortgage Research Center | C | 17 | 7 | 17.7% | 6.63% |
| 5 | U.S. Bank | D | 14 | 6 | 35.7% | 8.73% |
| 6 | SIU Credit Union | C | 12 | 10 | 0.0% | — |
| 7 | 21st Mortgage | F | 10 | 3 | 50.0% | 10.13% |
| 8 | Farmers State Bank of Alto Pass, Ill. | B | 10 | 8 | 10.0% | — |
| 9 | Guild Mortgage | A | 10 | 7 | 0.0% | 6.50% |
| 10 | Pennymac Loan Services | C | 9 | 7 | 0.0% | 5.99% |
| 11 | Vanderbilt Mortgage and Finance | F | 9 | 0 | 44.4% | — |
| 12 | Navy Federal Credit Union | D | 7 | 3 | 14.3% | 7.13% |
| 13 | AmeriSave Mortgage | D | 6 | 2 | 66.7% | 7.44% |
| 14 | Gershman Investment | B | 6 | 5 | 0.0% | 6.88% |
| 15 | Broker Solutions | D | 6 | 2 | 0.0% | 6.88% |
| 16 | Triad Financial Services | D | 6 | 0 | 83.3% | — |
| 17 | Premier Mortgage Resources | B | 6 | 5 | 0.0% | 7.13% |
What Union County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Union County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 255 | 133 | 22.4% | 6.99% | $105,000 |
| 2024 | 263 | 131 | 19.8% | 7.13% | $105,000 |
| 2025 | 310 | 173 | 17.7% | 6.75% | $125,000 |
Frequently asked questions
17.7% of applications in Union County were denied in 2025, against 17.1% statewide in Illinois.
Southern Bank, with 26 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Union County in 2025 was for $125,000; the median property value on originated loans was $195,000.