Largest lenders in White County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 49 | 41 | 12.2% | 6.75% |
| 2 | Peoples National Bank | C | 28 | 20 | 10.7% | 6.50% |
| 3 | Banterra Bank | C | 28 | 13 | 10.7% | 6.38% |
| 4 | Vanderbilt Mortgage and Finance | F | 23 | 2 | 73.9% | 10.25% |
| 5 | The First National Bank of Carmi | – | 22 | 13 | 22.7% | — |
| 6 | Liberty | B | 17 | 11 | 17.7% | 6.88% |
| 7 | Freedom Mortgage | B | 12 | 4 | 25.0% | 6.50% |
| 8 | AmeriSave Mortgage | D | 10 | 0 | 70.0% | — |
| 9 | Mortgage Research Center | C | 10 | 4 | 40.0% | 6.75% |
| 10 | First Mid Bank & Trust | C | 8 | 6 | 12.5% | 6.63% |
| 11 | 21st Mortgage | F | 6 | 2 | 50.0% | 10.04% |
| 12 | U.S. Bank | D | 5 | 0 | 80.0% | — |
| 13 | United Shore Financial Services | B | 5 | 5 | 0.0% | 6.13% |
| 14 | Broker Solutions | D | 5 | 2 | 0.0% | 7.25% |
What White County borrowers applied for
By loan purpose
By loan type
Why applications were denied
White County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 260 | 125 | 28.9% | 6.88% | $95,000 |
| 2024 | 265 | 139 | 24.5% | 6.75% | $95,000 |
| 2025 | 305 | 161 | 24.3% | 6.75% | $105,000 |
Frequently asked questions
24.3% of applications in White County were denied in 2025, against 17.1% statewide in Illinois.
Rocket Mortgage, with 49 applications in 2025 and a denial rate of 12.2%.
The median mortgage application in White County in 2025 was for $105,000; the median property value on originated loans was $145,000.