Largest lenders in McLean County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Liberty | B | 38 | 29 | 5.3% | 6.63% |
| 2 | The Sacramento Deposit Bank | – | 26 | 24 | 3.9% | — |
| 3 | Independence Bank of Kentucky | B | 26 | 16 | 19.2% | 6.98% |
| 4 | Rocket Mortgage | C | 16 | 12 | 18.8% | 6.44% |
| 5 | 21st Mortgage | F | 15 | 2 | 40.0% | 10.19% |
| 6 | U.S. Bank | D | 13 | 5 | 38.5% | 6.75% |
| 7 | Farmers Bank and Trust | B | 12 | 7 | 25.0% | — |
| 8 | United Shore Financial Services | B | 11 | 9 | 0.0% | 6.12% |
| 9 | Mortgage Research Center | C | 9 | 4 | 22.2% | 6.75% |
| 10 | Pennymac Loan Services | C | 8 | 1 | 25.0% | 6.63% |
| 11 | Credit Human Federal Credit Union | D | 7 | 1 | 71.4% | 7.80% |
| 12 | FirstBank | C | 7 | 2 | 57.1% | 8.29% |
| 13 | Old National Bank | B | 7 | 3 | 14.3% | 5.85% |
| 14 | Vanderbilt Mortgage and Finance | F | 7 | 2 | 42.9% | 10.25% |
| 15 | Truist Bank | C | 6 | 1 | 33.3% | 5.69% |
| 16 | Newrez | D | 5 | 1 | 40.0% | 7.75% |
| 17 | Southwest Stage Funding | F | 5 | 1 | 20.0% | 8.20% |
| 18 | Heritage Federal Credit Union | D | 5 | 4 | 20.0% | 7.00% |
What McLean County borrowers applied for
By loan purpose
By loan type
Why applications were denied
McLean County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 267 | 150 | 19.5% | 7.00% | $105,000 |
| 2024 | 267 | 157 | 21.4% | 7.25% | $105,000 |
| 2025 | 285 | 156 | 22.5% | 6.75% | $105,000 |
Frequently asked questions
22.5% of applications in McLean County were denied in 2025, against 18.8% statewide in Kentucky.
Liberty, with 38 applications in 2025 and a denial rate of 5.3%.
The median mortgage application in McLean County in 2025 was for $105,000; the median property value on originated loans was $215,000.