Mortgage lending in McLean County, Illinois
Lenders in McLean County, Illinois reported 5,050 mortgage applications for 2025, according to the CFPB.
5,050 mortgage applications and 3,473 loans originated in 2025; the denial rate was 15.4% of 4,260 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bloomington, IL MSA.
- 5,050
- Applications
- 3,473
- Loans originated
- 15.4%
- Denial rate
- 658 denied of 4,260 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,050 | 3,473 |
| 2024 | 4,511 | 3,177 |
| 2023 | 4,211 | 2,994 |
| 2022 | 5,657 | 4,002 |
| 2021 | 9,511 | 7,004 |
| 2020 | 10,357 | 7,837 |
| 2019 | 6,109 | 4,454 |
| 2018 | 5,300 | 3,887 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First State Mortgage Services | 677 | 764 |
| Citizens Equity First Credit U | 294 | 439 |
| PNC Bank N.A. | 177 | 255 |
| Rocket Mortgage | 163 | 227 |
| Morton Community Bank | 154 | 181 |
| First State Bank | 112 | 119 |
| Illinois State Credit Union | 111 | 120 |
| Point Mortgage Corp | 110 | 122 |
| Heartland Bank & Trust Company | 105 | 142 |
| Busey Bank | 93 | 135 |
| Synergy One Lending, Inc. | 87 | 114 |
| United Wholesale Mortgage | 85 | 124 |
| US Bank, N.A. | 70 | 145 |
| Commerce Bank | 60 | 108 |
| Flanagan State Bank | 53 | 67 |
| Guild Mortgage Company | 47 | 51 |
| Mortgage Research Center | 45 | 81 |
| Ixonia Bank | 43 | 47 |
| Iaa Credit Union | 41 | 48 |
| JPMorgan Chase Bank, NA | 40 | 51 |
| Flat Branch Mortgage, Inc. | 34 | 41 |
| First State Bank and Trust | 32 | 38 |
| Pennymac Loan Services LLC | 32 | 59 |
| Compass Mortgage, Inc. | 30 | 41 |
| Prairie State Bank & Trust | 29 | 31 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 19 | no rate: base under 50 |
| Asian | 304 | 11.9% of 226 decided |
| Black or African American | 271 | 33.3% of 216 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,651 | 13.5% of 3,132 decided |
| 2 or more minority races | withheld | |
| Joint | 110 | 12.4% of 97 decided |
| Race Not Available | 679 | 20.4% of 564 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 279 | 21.1% of 232 decided |
| Not Hispanic or Latino | 4,081 | 14.9% of 3,458 decided |
| Joint | withheld | |
| Ethnicity Not Available | 614 | 17.7% of 504 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,753 | 18.4% of 1,439 decided |
| Female | 1,159 | 17.7% of 999 decided |
| Joint | 1,744 | 10.8% of 1,497 decided |
| Sex Not Available | 394 | 16.9% of 325 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. 1549 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