Mortgage lending in Stephenson County, Illinois
Lenders in Stephenson County, Illinois reported 1,334 mortgage applications for 2025, according to the CFPB.
1,334 mortgage applications and 681 loans originated in 2025; the denial rate was 22.7% of 917 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Stephenson County, IL.
- 1,334
- Applications
- 681
- Loans originated
- 22.7%
- Denial rate
- 208 denied of 917 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,334 | 681 |
| 2024 | 941 | 567 |
| 2023 | 854 | 553 |
| 2022 | 942 | 596 |
| 2021 | 1,338 | 892 |
| 2020 | 1,281 | 880 |
| 2019 | 906 | 581 |
| 2018 | 860 | 546 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greenstate Credit Union | 130 | 185 |
| Rocket Mortgage | 39 | 59 |
| Cornerstone Credit Union | 35 | 53 |
| US Bank, N.A. | 32 | 66 |
| Fifth Third Bank, National Association | 26 | 44 |
| Union Savings Bank | 24 | 38 |
| United Wholesale Mortgage | 19 | 55 |
| Mortgage Research Center | 18 | 43 |
| Plaza Home Mortgage, Inc | 18 | 22 |
| Guild Mortgage Company | 16 | 19 |
| First Mid Bank and Trust, NA | 13 | 19 |
| Foresight Bank | 11 | 13 |
| Figure Lending LLC | 10 | 16 |
| Woodford State Bank | 9 | 9 |
| loanDepot.com LLC | 9 | 12 |
| Compeer Financial | 9 | 9 |
| Envoy Mortgage, LTD | 9 | 13 |
| Freedom Mortgage Corporation | 9 | 20 |
| First Community Credit Union of Beloit | 8 | 12 |
| New American Funding, LLC. | 8 | 20 |
| Fairway Independent Mort Corp | 8 | 11 |
| JPMorgan Chase Bank, NA | 8 | 10 |
| The Bank of New Glarus | 7 | 8 |
| Crosscountry Mortgage, LLC | 7 | 16 |
| Lendage, LLC Dba Achieve Loans | 6 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 15 | no rate: base under 50 |
| Black or African American | 79 | 45.5% of 66 decided |
| White | 864 | 19.7% of 706 decided |
| 2 or more minority races | under 10 | |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 350 | 27.0% of 115 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 69 | 24.0% of 50 decided |
| Not Hispanic or Latino | 901 | 21.7% of 737 decided |
| Joint | withheld | |
| Ethnicity Not Available | 351 | 29.1% of 117 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 469 | 27.6% of 370 decided |
| Female | 263 | 23.1% of 212 decided |
| Joint | 323 | 13.4% of 269 decided |
| Sex Not Available | 279 | 31.8% of 66 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. 2660 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