Illinois · HMDA 2025
Mortgage lenders in Winnebago County, IL
328 lenders reported 11,200 home-loan applications in Winnebago County in 2025. 6,133 closed as loans ($1.0B), 1,687 were denied — a 20.6% denial rate on decided applications, close to the Illinois rate of 21.5%. The three most active lenders handled 19% of applications, led by GREENSTATE Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 11,200
- Loans originated
- 6,133
- Purchase / refinance
- 3,283 / 1,743
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Winnebago County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GREENSTATE Credit Union 50 out of 100, Below average | 931 | 8.3% | 10.1% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 690 | 6.2% | 39.5% |
| 3 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 555 | 5.0% | 22.9% |
| 4 | Rocket Mortgage, LLC | 490 | 4.4% | — |
| 5 | Members Alliance Credit Union | 408 | 3.6% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 391 | 3.5% | 14.1% |
| 7 | Fairway Independent Mortgage Corporation | 328 | 2.9% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 306 | 2.7% | — |
| 9 | Midland States Bank 62 out of 100, Moderate | 273 | 2.4% | 27.2% |
| 10 | BMO Bank National Association 83 out of 100, Strong | 269 | 2.4% | 40.5% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 268 | 2.4% | — |
| 12 | Associated Bank, National Association | 249 | 2.2% | — |
| 13 | FIRST NORTHERN Credit Union 78 out of 100, Strong | 247 | 2.2% | 11.9% |
| 14 | ENVOY MORTGAGE, LTD | 198 | 1.8% | — |
| 15 | GUILD MORTGAGE COMPANY | 193 | 1.7% | — |
| 16 | Mortgage Research Center, LLC | 162 | 1.4% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 159 | 1.4% | 33.8% |
| 18 | Stillman BancCorp N.A. 66 out of 100, Moderate | 154 | 1.4% | 11.1% |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 145 | 1.3% | — |
| 20 | Loandepot.Com, LLC | 142 | 1.3% | — |
| 21 | NEWREZ LLC | 139 | 1.2% | — |
| 22 | Coastal Community Bank 35 out of 100, Low | 130 | 1.2% | 3.0% |
| 23 | BPL MORTGAGE TRUST, LLC | 124 | 1.1% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 123 | 1.1% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 118 | 1.1% | — |
| 26 | Broker Solutions, Inc. | 115 | 1.0% | — |
| 27 | FIGURE LENDING LLC | 111 | 1.0% | — |
| 28 | The Huntington National Bank 59 out of 100, Moderate | 109 | 1.0% | 31.6% |
| 29 | AmeriSave Mortgage Corporation | 107 | 1.0% | — |
| 30 | GUARANTEED RATE, INC. | 105 | 0.9% | — |
| 31 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 105 | 0.9% | 9.1% |
| 32 | PLANET HOME LENDING, LLC | 103 | 0.9% | — |
| 33 | Rock Valley Credit Union 63 out of 100, Moderate | 96 | 0.9% | 14.9% |
| 34 | NATIONSTAR MORTGAGE LLC | 96 | 0.9% | — |
| 35 | Byron Bank 69 out of 100, Moderate | 93 | 0.8% | 9.1% |
| 36 | Fifth Third Bank, National Association 62 out of 100, Moderate | 93 | 0.8% | 34.0% |
| 37 | Connexus Credit Union 37 out of 100, Low | 89 | 0.8% | 60.0% |
| 38 | Discover Bank | 87 | 0.8% | — |
| 39 | The First National Bank and Trust Company | 79 | 0.7% | — |
| 40 | Navy Federal Credit Union 66 out of 100, Moderate | 78 | 0.7% | 32.9% |
Top 40 of 328 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
- Kendall County 7,582 apps
- Sangamon County 7,080 apps
- Peoria County 6,053 apps
- McLean County 6,052 apps