Illinois · HMDA 2025
Mortgage lenders in Stephenson County, IL
158 lenders reported 1,491 home-loan applications in Stephenson County in 2025. 681 closed as loans ($99.9M), 208 were denied — a 22.7% denial rate on decided applications, above the Illinois rate of 21.5%. The three most active lenders handled 33% of applications, led by Kiavi Funding, Inc.. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,491
- Loans originated
- 681
- Purchase / refinance
- 388 / 182
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stephenson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Kiavi Funding, Inc. | 199 | 13.3% | — |
| 2 | GREENSTATE Credit Union 50 out of 100, Below average | 185 | 12.4% | 10.1% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 107 | 7.2% | 39.5% |
| 4 | Rocket Mortgage, LLC | 62 | 4.2% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 3.7% | — |
| 6 | CORNERSTONE CREDIT UNION 64 out of 100, Moderate | 53 | 3.6% | 44.2% |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 44 | 3.0% | 34.0% |
| 8 | Mortgage Research Center, LLC | 43 | 2.9% | — |
| 9 | Union Savings Bank 66 out of 100, Moderate | 42 | 2.8% | 5.1% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 32 | 2.1% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 30 | 2.0% | 14.1% |
| 12 | PLANET HOME LENDING, LLC | 23 | 1.5% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 23 | 1.5% | — |
| 14 | PLAZA HOME MORTGAGE, INC. | 22 | 1.5% | — |
| 15 | Broker Solutions, Inc. | 20 | 1.3% | — |
| 16 | GUILD MORTGAGE COMPANY | 19 | 1.3% | — |
| 17 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 19 | 1.3% | 22.9% |
| 18 | FIGURE LENDING LLC | 18 | 1.2% | — |
| 19 | NEWREZ LLC | 17 | 1.1% | — |
| 20 | AmeriSave Mortgage Corporation | 17 | 1.1% | — |
| 21 | The Huntington National Bank 59 out of 100, Moderate | 16 | 1.1% | 31.6% |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 1.1% | — |
| 23 | ENVOY MORTGAGE, LTD | 13 | 0.9% | — |
| 24 | German-American State Bank 62 out of 100, Moderate | 13 | 0.9% | 13.2% |
| 25 | Fairway Independent Mortgage Corporation | 12 | 0.8% | — |
| 26 | Loandepot.Com, LLC | 12 | 0.8% | — |
| 27 | First Community CU of Beloit | 12 | 0.8% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 11 | 0.7% | — |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 0.7% | — |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 9 | 0.6% | 44.7% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 0.6% | — |
| 32 | Woodford State Bank 66 out of 100, Moderate | 9 | 0.6% | 3.4% |
| 33 | COMPEER FINANCIAL, FLCA | 9 | 0.6% | — |
| 34 | USAA Federal Savings Bank 64 out of 100, Moderate | 9 | 0.6% | 37.2% |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 0.5% | 32.9% |
| 36 | The Bank of New Glarus 56 out of 100, Moderate | 8 | 0.5% | 1.2% |
| 37 | Midland States Bank 62 out of 100, Moderate | 8 | 0.5% | 27.2% |
| 38 | DUPACO COMMUNITY | 8 | 0.5% | — |
| 39 | Discover Bank | 7 | 0.5% | — |
| 40 | Lendage, LLC | 7 | 0.5% | — |
Top 40 of 158 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
- McHenry County 15,435 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