Illinois · HMDA 2025
Mortgage lenders in McHenry County, IL
412 lenders reported 15,435 home-loan applications in McHenry County in 2025. 8,412 closed as loans ($2.4B), 2,030 were denied — a 18.6% denial rate on decided applications, below the Illinois rate of 21.5%. The three most active lenders handled 13% of applications, led by JPMorgan Chase Bank, National Association. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 15,435
- Loans originated
- 8,412
- Purchase / refinance
- 4,140 / 2,594
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McHenry County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 792 | 5.1% | 14.1% |
| 2 | Rocket Mortgage, LLC | 645 | 4.2% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 640 | 4.1% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 619 | 4.0% | — |
| 5 | BMO Bank National Association 83 out of 100, Strong | 573 | 3.7% | 40.5% |
| 6 | GUARANTEED RATE, INC. | 571 | 3.7% | — |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 473 | 3.1% | 34.0% |
| 8 | Fairway Independent Mortgage Corporation | 443 | 2.9% | — |
| 9 | Baxter Credit Union 60 out of 100, Moderate | 402 | 2.6% | 20.2% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 370 | 2.4% | 39.5% |
| 11 | LENNAR MORTGAGE, LLC | 358 | 2.3% | — |
| 12 | NEWREZ LLC | 345 | 2.2% | — |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 312 | 2.0% | — |
| 14 | NATIONSTAR MORTGAGE LLC | 265 | 1.7% | — |
| 15 | CONSUMERS COOPERATIVE CREDIT UNION | 248 | 1.6% | — |
| 16 | The Huntington National Bank 59 out of 100, Moderate | 245 | 1.6% | 31.6% |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 239 | 1.5% | 44.7% |
| 18 | FREEDOM MORTGAGE CORPORATION | 227 | 1.5% | — |
| 19 | GREENSTATE Credit Union 50 out of 100, Below average | 221 | 1.4% | 10.1% |
| 20 | PNC Bank, National Association 62 out of 100, Moderate | 210 | 1.4% | 33.8% |
| 21 | DHI MORTGAGE COMPANY, LTD. | 202 | 1.3% | — |
| 22 | Broker Solutions, Inc. | 198 | 1.3% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 184 | 1.2% | — |
| 24 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 184 | 1.2% | 9.1% |
| 25 | First National Bank of Omaha 72 out of 100, Strong | 180 | 1.2% | 25.9% |
| 26 | Coastal Community Bank 35 out of 100, Low | 174 | 1.1% | 3.0% |
| 27 | ADVIA Federal Credit Union | 167 | 1.1% | — |
| 28 | Loandepot.Com, LLC | 165 | 1.1% | — |
| 29 | LAKEVIEW LOAN SERVICING, LLC | 160 | 1.0% | — |
| 30 | FIGURE LENDING LLC | 154 | 1.0% | — |
| 31 | GUILD MORTGAGE COMPANY | 149 | 1.0% | — |
| 32 | Mortgage Research Center, LLC | 144 | 0.9% | — |
| 33 | SPRING EQ, LLC | 141 | 0.9% | — |
| 34 | Home State Bank, National Association 82 out of 100, Strong | 137 | 0.9% | 5.2% |
| 35 | UNION HOME MORTGAGE CORP. | 137 | 0.9% | — |
| 36 | First American Bank 63 out of 100, Moderate | 135 | 0.9% | 33.0% |
| 37 | Citibank, National Association 60 out of 100, Moderate | 130 | 0.8% | 24.0% |
| 38 | KEY MORTGAGE SERVICES, INC. | 126 | 0.8% | — |
| 39 | Navy Federal Credit Union 66 out of 100, Moderate | 125 | 0.8% | 32.9% |
| 40 | Discover Bank | 117 | 0.8% | — |
Top 40 of 412 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Illinois
- Cook County 169,779 apps
- DuPage County 34,312 apps
- Will County 32,608 apps
- Lake County 28,380 apps
- Kane County 21,571 apps
- Madison County 11,927 apps
- St. Clair County 11,502 apps
- Winnebago County 11,200 apps
- Kendall County 7,582 apps
- Sangamon County 7,080 apps
- Peoria County 6,053 apps
- McLean County 6,052 apps