Mortgage lending in Lake County, Illinois
Lenders in Lake County, Illinois reported 24,891 mortgage applications for 2025, according to the CFPB.
24,891 mortgage applications and 14,702 loans originated in 2025; the denial rate was 19.8% of 19,401 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Chicago-Joliet-Naperville, IL HUD Metro FMR Area.
- 24,891
- Applications
- 14,702
- Loans originated
- 19.8%
- Denial rate
- 3,849 denied of 19,401 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 24,891 | 14,702 |
| 2024 | 21,899 | 12,804 |
| 2023 | 19,660 | 11,480 |
| 2022 | 27,610 | 16,706 |
| 2021 | 55,605 | 37,528 |
| 2020 | 54,605 | 36,656 |
| 2019 | 31,874 | 20,250 |
| 2018 | 25,971 | 15,945 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 773 | 1,035 |
| Rocket Mortgage | 725 | 991 |
| JPMorgan Chase Bank, NA | 629 | 981 |
| Guaranteed Rate, Inc. | 614 | 1,031 |
| Crosscountry Mortgage, LLC | 588 | 892 |
| Consumers Credit Union | 568 | 746 |
| PNC Bank N.A. | 363 | 574 |
| Barrington Bank & Trust Company, N.A. | 351 | 502 |
| Fifth Third Bank, National Association | 345 | 733 |
| Huntington National Bank | 333 | 567 |
| Baxter Credit Union | 332 | 554 |
| Fairway Independent Mort Corp | 323 | 466 |
| Old National Bank | 294 | 517 |
| BMO Harris Bank NA | 285 | 567 |
| Bank of America NA | 273 | 573 |
| Greenstate Credit Union | 261 | 383 |
| US Bank, N.A. | 243 | 481 |
| American Pacific Mortgage Corporation | 226 | 306 |
| Abbott Laboratories Employees Credit Union | 216 | 317 |
| loanDepot.com LLC | 213 | 376 |
| The Loan Store, Inc | 208 | 249 |
| First American Bank | 194 | 329 |
| Pennymac Loan Services LLC | 189 | 374 |
| Mortgage Research Center | 173 | 365 |
| Navy Federal Credit Union | 172 | 362 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 160 | 42.6% of 115 decided |
| Asian | 2,531 | 18.2% of 1,963 decided |
| Black or African American | 1,070 | 29.9% of 765 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 16,265 | 18.4% of 12,995 decided |
| 2 or more minority races | 48 | no rate: base under 50 |
| Joint | 577 | 14.5% of 442 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 4,202 | 24.0% of 3,055 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,138 | 26.9% of 3,243 decided |
| Not Hispanic or Latino | 16,503 | 17.6% of 13,052 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,594 | 23.0% of 2,582 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 9,106 | 22.3% of 7,067 decided |
| Female | 5,152 | 23.9% of 4,016 decided |
| Joint | 8,776 | 14.2% of 6,995 decided |
| Sex Not Available | 1,857 | 23.6% of 1,323 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. 536 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