Mortgage lending in Franklin County, Illinois
Lenders in Franklin County, Illinois reported 920 mortgage applications for 2025, according to the CFPB.
920 mortgage applications and 496 loans originated in 2025; the denial rate was 26.7% of 718 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Franklin County, IL.
- 920
- Applications
- 496
- Loans originated
- 26.7%
- Denial rate
- 192 denied of 718 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 920 | 496 |
| 2024 | 812 | 371 |
| 2023 | 828 | 447 |
| 2022 | 983 | 505 |
| 2021 | 1,217 | 756 |
| 2020 | 1,087 | 622 |
| 2019 | 882 | 509 |
| 2018 | 888 | 470 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| FirstTrust Home Loans | 90 | 101 |
| Rocket Mortgage | 44 | 69 |
| US Bank, N.A. | 42 | 85 |
| Peoples National Bank, N.A. | 38 | 46 |
| Guild Mortgage Company | 24 | 29 |
| Premier Mortgage Resources, LLC | 21 | 23 |
| Mortgage Research Center | 13 | 27 |
| Gershman Investment Corp. | 13 | 21 |
| United Wholesale Mortgage | 12 | 16 |
| Figure Lending LLC | 11 | 21 |
| Community Banc Mortgage Corp | 11 | 19 |
| New American Funding, LLC. | 11 | 38 |
| Equity Prime Mortgage LLC | 9 | 12 |
| Fifth Third Bank, National Association | 9 | 15 |
| Banterra Bank | 8 | 23 |
| The Bank of Herrin | 7 | 8 |
| Pennymac Loan Services LLC | 7 | 15 |
| Consumer Real Estate Finance Co DBA Society Mortgage | 6 | 7 |
| Farmers State Bank of Alto Pass | 6 | 10 |
| Amerisave Mortgage Company | 6 | 20 |
| Regions Bank | 6 | 16 |
| Guaranteed Rate, Inc. | 5 | 13 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 34 |
| First Financial Bank NA | 4 | 10 |
| Nations Direct Mortgage, LLC | 4 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 11 | no rate: base under 50 |
| White | 801 | 25.6% of 633 decided |
| Joint | under 10 | |
| Race Not Available | 92 | 39.3% of 61 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 782 | 25.4% of 627 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 107 | 36.8% of 68 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 362 | 26.3% of 293 decided |
| Female | 224 | 30.3% of 175 decided |
| Joint | 275 | 22.5% of 213 decided |
| Sex Not Available | 59 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2652 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved