Largest lenders in Woodford County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Equity First | B | 217 | 159 | 5.1% | 7.25% |
| 2 | Goodfield State Bank | A | 128 | 126 | 1.6% | — |
| 3 | Morton Community Bank | B | 102 | 82 | 9.8% | 7.13% |
| 4 | Flat Branch Mortgage | A | 59 | 51 | 1.7% | 6.63% |
| 5 | Rocket Mortgage | C | 46 | 33 | 23.9% | 6.75% |
| 6 | 21st Mortgage | F | 45 | 7 | 80.0% | 9.62% |
| 7 | United Shore Financial Services | B | 36 | 25 | 13.9% | 6.63% |
| 8 | Flanagan State Bank | D | 36 | 29 | 5.6% | 6.88% |
| 9 | Heartland Bank and Trust | D | 32 | 25 | 12.5% | 7.25% |
| 10 | First State Mortgage Services | A | 32 | 29 | 3.1% | 6.75% |
| 11 | U.S. Bank | D | 30 | 23 | 10.0% | 6.50% |
| 12 | Newrez | D | 27 | 12 | 11.1% | 7.94% |
| 13 | PNC Bank | D | 26 | 17 | 19.2% | 8.31% |
| 14 | Mld Mortgage | A | 21 | 16 | 4.8% | 6.63% |
| 15 | Broker Solutions | D | 16 | 9 | 6.3% | 6.75% |
| 16 | Triad Financial Services | D | 15 | 0 | 100.0% | — |
| 17 | Coastal Community Bank | C | 15 | 4 | 0.0% | 12.99% |
| 18 | Commerce Bank | D | 14 | 7 | 42.9% | 6.13% |
| 19 | Busey Bank | C | 14 | 12 | 7.1% | 6.88% |
| 20 | Compeer Financial, Flca | C | 14 | 10 | 0.0% | 6.93% |
| 21 | Synergy One Lending | C | 14 | 13 | 7.1% | 6.75% |
| 22 | AmeriSave Mortgage | D | 12 | 3 | 58.3% | 6.13% |
| 23 | Spring Eq | D | 12 | 2 | 33.3% | 10.10% |
| 24 | Loandepot.Com | D | 12 | 6 | 41.7% | 6.87% |
| 25 | Zippy Loans | D | 11 | 1 | 63.6% | 10.05% |
Best approval odds in Woodford County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Goodfield State Bank | 128 | 1.6% |
| 2 | Flat Branch Mortgage | 52 | 1.9% |
| 3 | Citizens Equity First | 172 | 6.4% |
| 4 | Morton Community Bank | 94 | 10.6% |
What Woodford County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Woodford County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,008 | 695 | 13.1% | 7.00% | $105,000 |
| 2024 | 1,008 | 715 | 11.5% | 7.00% | $125,000 |
| 2025 | 1,279 | 865 | 14.1% | 6.88% | $125,000 |
Frequently asked questions
14.1% of applications in Woodford County were denied in 2025, against 17.1% statewide in Illinois.
Citizens Equity First, with 217 applications in 2025 and a denial rate of 5.1%.
The median mortgage application in Woodford County in 2025 was for $125,000; the median property value on originated loans was $245,000.