Mortgage lending in Boone County, Illinois
Lenders in Boone County, Illinois reported 1,844 mortgage applications for 2025, according to the CFPB.
1,844 mortgage applications and 1,096 loans originated in 2025; the denial rate was 22.4% of 1,494 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Rockford, IL MSA.
- 1,844
- Applications
- 1,096
- Loans originated
- 22.4%
- Denial rate
- 334 denied of 1,494 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,844 | 1,096 |
| 2024 | 1,732 | 1,017 |
| 2023 | 1,504 | 868 |
| 2022 | 2,124 | 1,259 |
| 2021 | 3,341 | 2,106 |
| 2020 | 3,331 | 2,280 |
| 2019 | 2,111 | 1,332 |
| 2018 | 1,860 | 1,169 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greenstate Credit Union | 110 | 149 |
| First Mid Bank and Trust, NA | 98 | 136 |
| Rocket Mortgage | 57 | 80 |
| United Wholesale Mortgage | 43 | 59 |
| Midland States Bank | 30 | 58 |
| Mortgage Research Center | 27 | 47 |
| Fairway Independent Mort Corp | 26 | 39 |
| First Northern Credit Union | 25 | 36 |
| Guild Mortgage Company | 23 | 29 |
| Nationstar Mortgage | 23 | 31 |
| loanDepot.com LLC | 22 | 36 |
| Envoy Mortgage, LTD | 22 | 32 |
| JPMorgan Chase Bank, NA | 22 | 31 |
| MembersAlliance Credit Union | 21 | 35 |
| BMO Harris Bank NA | 21 | 58 |
| PNC Bank N.A. | 19 | 36 |
| Crosscountry Mortgage, LLC | 18 | 32 |
| Stillman Banccorp NA | 17 | 24 |
| Guaranteed Rate, Inc. | 17 | 30 |
| First National Bank of Omaha | 17 | 32 |
| Byron Bank | 16 | 20 |
| Fifth Third Bank, National Association | 16 | 26 |
| Pennymac Loan Services LLC | 15 | 42 |
| Consumers Credit Union | 14 | 21 |
| US Bank, N.A. | 14 | 32 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | 42 | no rate: base under 50 |
| Black or African American | 47 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,389 | 20.3% of 1,150 decided |
| 2 or more minority races | under 10 | |
| Joint | 27 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 314 | 29.2% of 240 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 416 | 28.1% of 328 decided |
| Not Hispanic or Latino | 1,141 | 19.9% of 944 decided |
| Joint | 45 | no rate: base under 50 |
| Ethnicity Not Available | 242 | 26.1% of 184 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 717 | 22.3% of 570 decided |
| Female | 316 | 30.5% of 262 decided |
| Joint | 667 | 17.9% of 553 decided |
| Sex Not Available | 144 | 25.7% of 109 decided |
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. 1379 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