Mortgage lending in Winnebago County, Illinois
Lenders in Winnebago County, Illinois reported 9,916 mortgage applications for 2025, according to the CFPB.
9,916 mortgage applications and 6,133 loans originated in 2025; the denial rate was 20.6% of 8,175 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Rockford, IL MSA.
- 9,916
- Applications
- 6,133
- Loans originated
- 20.6%
- Denial rate
- 1,687 denied of 8,175 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,916 | 6,133 |
| 2024 | 8,985 | 5,552 |
| 2023 | 7,817 | 4,870 |
| 2022 | 9,844 | 6,128 |
| 2021 | 14,755 | 9,852 |
| 2020 | 13,594 | 9,350 |
| 2019 | 9,680 | 6,430 |
| 2018 | 8,719 | 5,765 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greenstate Credit Union | 701 | 928 |
| First Mid Bank and Trust, NA | 409 | 553 |
| Rocket Mortgage | 348 | 479 |
| MembersAlliance Credit Union | 226 | 408 |
| Fairway Independent Mort Corp | 217 | 322 |
| First Northern Credit Union | 200 | 247 |
| United Wholesale Mortgage | 188 | 267 |
| Guild Mortgage Company | 165 | 191 |
| Envoy Mortgage, LTD | 160 | 198 |
| Associated Bank NA | 156 | 249 |
| US Bank, N.A. | 153 | 372 |
| Midland States Bank | 148 | 273 |
| BMO Harris Bank NA | 142 | 269 |
| JPMorgan Chase Bank, NA | 125 | 193 |
| Stillman Banccorp NA | 118 | 154 |
| Rock Valley Credit Union | 96 | 96 |
| BPL Mortgage, LLC | 96 | 124 |
| Crosscountry Mortgage, LLC | 96 | 145 |
| Mortgage Research Center | 94 | 162 |
| Barrington Bank & Trust Company, N.A. | 84 | 105 |
| Byron Bank | 81 | 93 |
| PNC Bank N.A. | 77 | 156 |
| loanDepot.com LLC | 74 | 141 |
| First National Bank and Trust | 61 | 79 |
| Pennymac Loan Services LLC | 56 | 111 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 49 | no rate: base under 50 |
| Asian | 312 | 17.7% of 254 decided |
| Black or African American | 693 | 35.2% of 523 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 6,932 | 18.5% of 5,889 decided |
| 2 or more minority races | 21 | no rate: base under 50 |
| Joint | 142 | 15.9% of 126 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,752 | 24.5% of 1,316 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,413 | 24.0% of 1,143 decided |
| Not Hispanic or Latino | 6,730 | 19.7% of 5,685 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,566 | 22.5% of 1,180 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,713 | 23.2% of 3,051 decided |
| Female | 2,515 | 23.9% of 2,068 decided |
| Joint | 2,665 | 13.7% of 2,288 decided |
| Sex Not Available | 1,023 | 22.1% of 768 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. 2137 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