Mortgage lending in Whiteside County, Illinois
Lenders in Whiteside County, Illinois reported 1,282 mortgage applications for 2025, according to the CFPB.
1,282 mortgage applications and 811 loans originated in 2025; the denial rate was 20.2% of 1,053 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: Whiteside County, IL.
- 1,282
- Applications
- 811
- Loans originated
- 20.2%
- Denial rate
- 213 denied of 1,053 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,282 | 811 |
| 2024 | 1,055 | 676 |
| 2023 | 1,087 | 666 |
| 2022 | 1,402 | 905 |
| 2021 | 1,919 | 1,352 |
| 2020 | 1,829 | 1,281 |
| 2019 | 1,324 | 884 |
| 2018 | 1,079 | 707 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Sauk Valley Bank & Trust Company | 87 | 111 |
| Central Bank Illinois | 55 | 60 |
| Rocket Mortgage | 53 | 82 |
| Farmers National Bank | 47 | 47 |
| US Bank, N.A. | 47 | 89 |
| Guild Mortgage Company | 39 | 55 |
| Mortgage Research Center | 29 | 45 |
| United Wholesale Mortgage | 28 | 35 |
| Ascentra Credit Union | 25 | 31 |
| Greenstate Credit Union | 25 | 34 |
| Midland States Bank | 22 | 41 |
| Towne Mortgage Company | 15 | 22 |
| I H Mississippi Valley Credit Union | 14 | 23 |
| First Central State Bank | 11 | 12 |
| Morton Community Bank | 11 | 15 |
| Empeople Credit Union | 10 | 12 |
| Fifth Third Bank, National Association | 10 | 22 |
| Figure Lending LLC | 9 | 17 |
| loanDepot.com LLC | 9 | 18 |
| CMG Mortgage Inc | 9 | 9 |
| Navy Federal Credit Union | 8 | 20 |
| Cornerstone Credit Union | 8 | 9 |
| American B&T C, N.A. | 7 | 7 |
| New American Funding, LLC. | 7 | 30 |
| Compeer Financial | 7 | 8 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 23 | no rate: base under 50 |
| White | 1,030 | 18.8% of 857 decided |
| Joint | 15 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 196 | 24.5% of 151 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 111 | 23.5% of 81 decided |
| Not Hispanic or Latino | 953 | 17.6% of 803 decided |
| Joint | 30 | no rate: base under 50 |
| Ethnicity Not Available | 188 | 33.6% of 146 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 515 | 20.9% of 421 decided |
| Female | 299 | 22.9% of 240 decided |
| Joint | 343 | 15.9% of 295 decided |
| Sex Not Available | 125 | 23.7% of 97 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. 2663 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