Mortgage lending in Johnson County, Illinois

Lenders in Johnson County, Illinois reported 319 mortgage applications for 2025, according to the CFPB.

319 mortgage applications and 165 loans originated in 2025; the denial rate was 30.6% of 255 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Johnson County, IL.

319
Applications: 165
Loans originated: 30.6%
Denial rate: 78 denied of 255 applications decided.

Every year

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Mortgage applications and loans originated in Johnson County, Illinois, by year
Year	Applications	Originated	Denied
2025	319	165	78
2024	293	148	65
2023	277	156	56
2022	344	186	67
2021	409	254	76
2020	528	305	94
2019	328	187	74
2018	302	166	72

The largest lenders here

Lenders in Johnson County, Illinois by loans originated, 2025
Lender	Originated	Applications
Rocket Mortgage	19	25
City National Bank	15	17
Guild Mortgage Company	11	12
FirstTrust Home Loans	10	13
United Wholesale Mortgage	9	11
US Bank, N.A.	9	13
Mortgage Research Center	8	17
Farmers State Bank of Alto Pass	7	9
Vanderbilt Mortgage and Finance, Inc	5	20
Regions Bank	5	14
Peoples National Bank, N.A.	4	6
Fifth Third Bank, National Association	4	7
Equity Prime Mortgage LLC	3	6
Banterra Bank	3	12
SIU Credit Union	3	5
loanDepot.com LLC	2	6
Premier Mortgage Resources, LLC	2	6
Nations Direct Mortgage, LLC	2	2
Guaranteed Rate, Inc.	2	2
21ST Mortgage	2	8
Southern Bank	2	2
State Bank	1	1
Tyndall Federal Credit Union	1	1
Paramount Residential Mortgage	1	2
1NB Bank	1	1

Applications by race, ethnicity and sex, 2025

By race, Johnson County, Illinois: applications and denial rate
Category	Applications	Denial rate
Black or African American	under 10
White	276	29.0% of 224 decided
Joint	under 10
Race Not Available	35	no rate: base under 50

By ethnicity, Johnson County, Illinois: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	272	29.7% of 219 decided
Joint	under 10
Ethnicity Not Available	41	no rate: base under 50

By sex, Johnson County, Illinois: applications and denial rate
Category	Applications	Denial rate
Male	106	27.9% of 86 decided
Female	69	34.0% of 53 decided
Joint	121	29.6% of 98 decided
Sex Not Available	23	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. 1939 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 October 22, 2026