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Mortgage lending in Illinois

Lenders in Illinois reported 395,939 mortgage applications for 2025, according to the CFPB.

395,939 mortgage applications and 232,591 loans originated in 2025. 67,804 of the 312,716 applications decided were denied, 21.7%. From 2025, the CFPB’s Snapshot release.

395,939
Applications
232,591
Loans originated
18.3 per 1,000 residents, over the Census Bureau's 2025 estimate.
21.7%
Denial rate
67,804 denied of 312,716 applications decided.

The largest lenders in Illinois

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Lenders in Illinois by loans originated, 2025
RankLenderOriginated
1Rocket Mortgage11,970
2United Wholesale Mortgage11,397
3Guaranteed Rate, Inc.10,217
4JPMorgan Chase Bank, NA8,778
5Crosscountry Mortgage, LLC5,600
6US Bank, N.A.4,571
7Huntington National Bank4,352
8loanDepot.com LLC4,241
9Fairway Independent Mort Corp4,215
10Fifth Third Bank, National Association4,111
11Greenstate Credit Union3,954
12BMO Harris Bank NA3,906
13PNC Bank N.A.3,711
14New American Funding, LLC.3,581
15Mortgage Research Center2,965
16Bank of America NA2,889
17Guild Mortgage Company2,870
18Citizens Equity First Credit U2,769
19Barrington Bank & Trust Company, N.A.2,719
20Pennymac Loan Services LLC2,485
21American Pacific Mortgage Corporation2,402
22Old National Bank2,207
23First American Bank2,072
24Consumers Credit Union2,000
25Nationstar Mortgage1,982

Counties in Illinois

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Counties in Illinois by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Cook County81,305$255,000
DuPage County18,219$285,000
Will County16,624$255,000
Lake County14,702$255,000
Kane County11,763$255,000
McHenry County8,412$235,000
Madison County6,489$135,000
Winnebago County6,133$135,000
St. Clair County5,770$165,000
Sangamon County4,516$135,000
Kendall County4,039$265,000
Peoria County3,551$125,000
McLean County3,473$165,000
Champaign County3,187$175,000
Tazewell County2,889$125,000
Rock Island County2,872$115,000
DeKalb County2,152$215,000
Kankakee County2,072$155,000
LaSalle County1,951$135,000
Macon County1,895$115,000
Grundy County1,248$215,000
Williamson County1,127$145,000
Vermilion County1,109$105,000
Boone County1,096$175,000
Ogle County1,001$155,000
Henry County960$115,000
Woodford County865$145,000
Monroe County851$215,000
Macoupin County834$115,000
Whiteside County811$105,000
Knox County797$85,000
Adams County753$145,000
Clinton County747$145,000
Livingston County719$115,000
Stephenson County681$105,000
Logan County597$105,000
Coles County567$105,000
Christian County553$105,000
Fulton County539$85,000
Marion County524$110,000
Jackson County500$115,000
Franklin County496$105,000
Jefferson County473$115,000
Bureau County468$105,000
Jersey County461$135,000
Jo Daviess County452$155,000
Lee County445$125,000
Effingham County442$165,000
Morgan County414$105,000
Piatt County400$165,000
Randolph County365$125,000
Iroquois County347$135,000
Montgomery County333$105,000
McDonough County332$85,000
Douglas County329$115,000
Mercer County315$115,000
Ford County290$115,000
De Witt County281$115,000
Saline County273$105,000
Menard County272$135,000
Bond County267$125,000
Marshall County252$115,000
Edgar County249$85,000
Fayette County245$115,000
Mason County236$95,000
Massac County227$95,000
Carroll County226$125,000
Moultrie County225$115,000
Clark County208$105,000
Shelby County199$125,000
Washington County194$105,000
Hancock County193$85,000
Warren County176$95,000
Union County173$125,000
Greene County171$95,000
Johnson County165$145,000
Perry County165$115,000
White County161$115,000
Crawford County150$105,000
Lawrence County149$105,000
Cass County140$85,000
Wayne County129$115,000
Clay County127$115,000
Jasper County108$125,000
Putnam County103$135,000
Pike County99$105,000
Cumberland County97$125,000
Wabash County97$125,000
Stark County96$80,000
Richland County94$120,000
Schuyler County84$105,000
Hamilton County71$115,000
Henderson County70$90,000
Pope County67$115,000
Scott County54$75,000
Calhoun County52$110,000
Edwards County45under 50 loans
Gallatin County39under 50 loans
Brown County34under 50 loans
Alexander County32under 50 loans
Pulaski County27under 50 loans
Hardin County22under 50 loans

Illinois elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Most dangerous cities in Illinois Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Immigration courts Immigration and the border

    The EOIR courts sitting in the state, what they completed and still have pending, and how far apart their asylum grant rates are. The courts, not the state’s residents: a detention court hears cases from far outside it.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Population, age, income and origin Demographics

    The Census Bureau's population estimates year by year, with births, deaths and migration, and age, income, poverty, housing and origin from the American Community Survey, each with its margin of error.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Housing Housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • Cost of living Cost of living

    BEA’s price level for the state against the nation, for goods, rents, utilities and other services, and its metro areas beside it.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The Illinois Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration link above is EOIR’s courts, which sit in this state. CBP’s encounters are not by state and will not be: its sectors and field offices are areas of responsibility rather than a geography, and assigning them to states would be a claim the data does not make. Immigration and the border.

More about Illinois →

Sources

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