Largest lenders in Williamson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Guild Mortgage | A | 132 | 117 | 0.0% | 6.63% |
| 2 | Rocket Mortgage | C | 116 | 76 | 20.7% | 6.50% |
| 3 | U.S. Bank | D | 115 | 69 | 31.3% | 6.63% |
| 4 | Premier Mortgage Resources | B | 93 | 65 | 4.3% | 6.93% |
| 5 | Farmers State Bank of Alto Pass, Ill. | B | 91 | 76 | 5.5% | — |
| 6 | Mortgage Research Center | C | 84 | 50 | 16.7% | 6.25% |
| 7 | Firsttrust Home Loans | B | 68 | 58 | 2.9% | 6.50% |
| 8 | Fifth Third Bank | D | 63 | 35 | 28.6% | 7.75% |
| 9 | SIU Credit Union | C | 62 | 38 | 9.7% | — |
| 10 | Regions Bank | C | 55 | 27 | 40.0% | 4.99% |
| 11 | Banterra Bank | C | 55 | 23 | 16.4% | 6.75% |
| 12 | Peoples National Bank | C | 45 | 30 | 11.1% | 6.94% |
| 13 | Vanderbilt Mortgage and Finance | F | 38 | 4 | 31.6% | 8.87% |
| 14 | AmeriSave Mortgage | D | 35 | 8 | 68.6% | 6.81% |
| 15 | Nations Direct Mortgage | B | 35 | 28 | 0.0% | 6.68% |
| 16 | The Bank of Herrin | – | 34 | 30 | 5.9% | — |
| 17 | United Shore Financial Services | B | 34 | 22 | 8.8% | 5.99% |
| 18 | First Mid Bank & Trust | C | 32 | 25 | 12.5% | 7.00% |
| 19 | Freedom Mortgage | B | 32 | 17 | 6.3% | 6.38% |
| 20 | Pennymac Loan Services | C | 31 | 15 | 9.7% | 6.25% |
| 21 | Flat Branch Mortgage | A | 31 | 18 | 3.2% | 6.50% |
| 22 | Gershman Investment | B | 30 | 20 | 10.0% | 6.63% |
| 23 | Broker Solutions | D | 29 | 7 | 24.1% | 6.81% |
| 24 | Guaranteed Rate | B | 25 | 12 | 0.0% | 6.65% |
| 25 | Navy Federal Credit Union | D | 21 | 10 | 28.6% | 7.75% |
Best approval odds in Williamson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 121 | 0.0% |
| 2 | Firsttrust Home Loans | 60 | 3.3% |
| 3 | Farmers State Bank of Alto Pass, Ill. | 90 | 5.6% |
| 4 | Premier Mortgage Resources | 69 | 5.8% |
| 5 | Mortgage Research Center | 65 | 21.5% |
| 6 | Rocket Mortgage | 102 | 23.5% |
| 7 | Fifth Third Bank | 56 | 32.1% |
| 8 | U.S. Bank | 106 | 34.0% |
| 9 | Regions Bank | 53 | 41.5% |
What Williamson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Williamson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,728 | 1,086 | 17.9% | 6.88% | $115,000 |
| 2024 | 1,915 | 1,119 | 17.2% | 6.75% | $125,000 |
| 2025 | 1,888 | 1,127 | 16.2% | 6.63% | $125,000 |
Frequently asked questions
16.2% of applications in Williamson County were denied in 2025, against 17.1% statewide in Illinois.
Guild Mortgage, with 132 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Williamson County in 2025 was for $125,000; the median property value on originated loans was $215,000.