Largest lenders in Whiteside County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Sauk Valley Bank & Trust | B | 111 | 87 | 9.9% | — |
| 2 | U.S. Bank | D | 89 | 47 | 27.0% | 6.75% |
| 3 | Rocket Mortgage | C | 82 | 53 | 25.6% | 6.75% |
| 4 | Central Bank Illinois | A | 60 | 55 | 3.3% | — |
| 5 | Guild Mortgage | A | 55 | 39 | 5.5% | 6.63% |
| 6 | Farmers National Bank | A | 47 | 47 | 0.0% | — |
| 7 | Mortgage Research Center | C | 45 | 29 | 8.9% | 6.25% |
| 8 | Midland States Bank | C | 41 | 22 | 36.6% | 5.99% |
| 9 | United Shore Financial Services | B | 35 | 28 | 5.7% | 6.75% |
| 10 | GREENSTATE Credit Union | B | 34 | 25 | 2.9% | 6.49% |
| 11 | ASCENTRA Credit Union | C | 31 | 25 | 12.9% | 6.50% |
| 12 | Broker Solutions | D | 30 | 7 | 6.7% | 6.75% |
| 13 | AmeriSave Mortgage | D | 28 | 4 | 82.1% | 6.69% |
| 14 | I. H. Mississippi Valley Credit Union | B | 23 | 14 | 21.7% | 6.38% |
| 15 | Fifth Third Bank | D | 22 | 10 | 27.3% | 8.00% |
| 16 | Towne Mortgage | B | 22 | 15 | 0.0% | 6.63% |
| 17 | Pennymac Loan Services | C | 21 | 4 | 33.3% | 6.69% |
| 18 | Navy Federal Credit Union | D | 20 | 8 | 30.0% | 6.13% |
| 19 | Loandepot.Com | D | 18 | 9 | 27.8% | 6.49% |
| 20 | Figure Lending | C | 17 | 9 | 35.3% | 8.58% |
| 21 | Morton Community Bank | B | 15 | 11 | 26.7% | 7.25% |
| 22 | Freedom Mortgage | B | 13 | 4 | 30.8% | 6.25% |
| 23 | Coastal Community Bank | C | 13 | 4 | 0.0% | 8.37% |
| 24 | New Day Financial | F | 12 | 4 | 16.7% | 7.07% |
| 25 | First Central State Bank | B | 12 | 11 | 0.0% | — |
Best approval odds in Whiteside County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Central Bank Illinois | 57 | 3.5% |
| 2 | Sauk Valley Bank & Trust | 98 | 11.2% |
| 3 | Rocket Mortgage | 75 | 28.0% |
| 4 | U.S. Bank | 71 | 33.8% |
What Whiteside County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Whiteside County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,087 | 666 | 19.5% | 6.99% | $85,000 |
| 2024 | 1,055 | 676 | 17.3% | 6.75% | $95,000 |
| 2025 | 1,282 | 811 | 16.6% | 6.63% | $105,000 |
Frequently asked questions
16.6% of applications in Whiteside County were denied in 2025, against 17.1% statewide in Illinois.
Sauk Valley Bank & Trust, with 111 applications in 2025 and a denial rate of 9.9%.
The median mortgage application in Whiteside County in 2025 was for $105,000; the median property value on originated loans was $165,000.