Mortgage lending in McHenry County, Illinois
Lenders in McHenry County, Illinois reported 13,456 mortgage applications for 2025, according to the CFPB.
13,456 mortgage applications and 8,412 loans originated in 2025; the denial rate was 18.6% of 10,890 applications decided. The median loan was about $235,000. 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.
- 13,456
- Applications
- 8,412
- Loans originated
- 18.6%
- Denial rate
- 2,030 denied of 10,890 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,456 | 8,412 |
| 2024 | 12,320 | 7,639 |
| 2023 | 10,789 | 6,606 |
| 2022 | 14,518 | 9,076 |
| 2021 | 27,343 | 18,770 |
| 2020 | 26,902 | 18,457 |
| 2019 | 16,634 | 10,873 |
| 2018 | 14,218 | 9,019 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 497 | 634 |
| Rocket Mortgage | 488 | 628 |
| Guaranteed Rate, Inc. | 327 | 511 |
| Fairway Independent Mort Corp | 307 | 431 |
| BMO Harris Bank NA | 298 | 570 |
| Lennar Mortgage, LLC | 284 | 358 |
| Baxter Credit Union | 266 | 402 |
| JPMorgan Chase Bank, NA | 247 | 373 |
| Fifth Third Bank, National Association | 225 | 438 |
| Crosscountry Mortgage, LLC | 220 | 312 |
| Consumers Credit Union | 198 | 239 |
| Greenstate Credit Union | 154 | 221 |
| DHI Mortgage Company, LTD. | 149 | 202 |
| Barrington Bank & Trust Company, N.A. | 136 | 184 |
| Home State Bank National Association | 123 | 137 |
| Huntington National Bank | 121 | 220 |
| PNC Bank N.A. | 120 | 194 |
| First National Bank of Omaha | 119 | 180 |
| US Bank, N.A. | 118 | 253 |
| Union Home Mortgage Corp. | 112 | 137 |
| New American Funding, LLC. | 107 | 198 |
| Nationstar Mortgage | 105 | 148 |
| loanDepot.com LLC | 100 | 165 |
| Key Mortgage Services, Inc. | 99 | 126 |
| Newrez LLC | 97 | 248 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 73 | 23.2% of 56 decided |
| Asian | 552 | 24.5% of 441 decided |
| Black or African American | 204 | 31.9% of 169 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 10,499 | 17.3% of 8,633 decided |
| 2 or more minority races | 15 | no rate: base under 50 |
| Joint | 238 | 12.0% of 192 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,858 | 24.3% of 1,377 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,676 | 26.2% of 1,338 decided |
| Not Hispanic or Latino | 9,687 | 16.8% of 7,972 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,702 | 23.1% of 1,261 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,927 | 21.5% of 3,986 decided |
| Female | 2,755 | 20.5% of 2,220 decided |
| Joint | 4,888 | 14.1% of 4,042 decided |
| Sex Not Available | 886 | 23.5% of 642 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. 679 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