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refinance lenders · HMDA 2023–2025

Refinance lenders in Madison County, Illinois

Fat Boy Data analyzed mortgage refinance activity in Madison County, Illinois to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,387 applications were decided by 162 lenders between 2023 and 2025.

Madison County at a glance

162Active lenders28 with 20+ decisions
83.0%Market approval rate1,982 of 2,387 decided
$115KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,858 loans funded

How Madison County compares

Approval rate compared
Madison County83.0%Illinois78.8%All 616 counties76.5%
Typical loan compared
Madison County$115KIllinois$285KAll 616 counties$295K

What the data shows

FCB Banks made the most mortgage refinances in Madison County, IL, 186 of them.

Endeavor Capital, LLC. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 35.

The typical mortgage refinance here is $115K, 60% smaller than the Illinois typical of $285K.

Approval rate of all 28 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 32% approved of 411St Midamerica Credit Union: 53% approved of 32Lakeview Loan Servicing, LLC: 59% approved of 22Newrez LLC: 70% approved of 27U.S. Bank National Association: 72% approved of 46Royal United Mortgage LLC: 73% approved of 44Mortgage Research Center, LLC: 73% approved of 59Regions Bank: 74% approved of 273Associated Bank, National Association: 76% approved of 66Rocket Mortgage, LLC: 82% approved of 91Guaranteed Rate, Inc.: 83% approved of 23Pennymac Loan Services, LLC: 83% approved of 59FCB Banks: 85% approved of 219GCS Credit Union: 85% approved of 62New American Funding, LLC: 88% approved of 42First Mid Bank & Trust, National Association: 89% approved of 45Scott Credit Union: 89% approved of 66Carrollton Bank: 90% approved of 71Busey Bank: 90% approved of 147United Wholesale Mortgage, LLC: 91% approved of 129Village Capital & Investment LLC: 92% approved of 39The Bradford National Bank of Greenville: 94% approved of 35Freedom Mortgage Corporation: 94% approved of 53Delmar Financial Company: 95% approved of 38Guild Mortgage Company LLC: 95% approved of 21Bank of Springfield: 97% approved of 30United Community Bank: 97% approved of 94Endeavor Capital, LLC.: 100% approved of 35

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Madison County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank74%202 / 27391%$85K183
2FCB Banks85%187 / 21999%$95K186
3Busey Bank90%133 / 14797%$65K129
4United Wholesale Mortgage, LLCBroker only91%117 / 12991%$245K107
5United Community Bank97%91 / 9499%$65K90

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 157 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Madison County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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