Illinois Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 451,630 mortgage applications in Illinois totaling $121.0 billion, up 15% from 2024. The average application was for $268,000, and applicants reported an average income of $144,000. 51% of applications resulted in an originated loan and 15% were denied. The most active lenders were JPMorgan Chase Bank, NA (22,230 applications), Guaranteed Rate, Inc. and United Wholesale Mortgage.
See the top mortgage lenders in Illinois, browse lending by metro area and by county, or see the mortgage lenders headquartered in Illinois and Illinois lenders by city.
Need in-depth lender data?
Download the Illinois mortgage lender list: a formatted spreadsheet with aggregated HMDA statistics for all Illinois based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Illinois's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 451,630 |
| Total Mortgage Loan Application Amount | $121,043,120,000 |
| Average Mortgage Loan Application Amount | $268,000 |
| Highest Mortgage Loan Application Amount | $98,405,000 |
| Average Applicant Income | $144,000 |
| Highest Applicant Income | $9,995,000 |
Top 25 Mortgage Lenders in Illinois (2025)
Ranked by the number of mortgage applications each lender received for properties in Illinois in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Illinois mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Illinois.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, NA Columbus, OH |
22,230 | $6,840,580,000 | $307,718 | $163,143 |
| 2 | Guaranteed Rate, Inc. Chicago, IL |
19,791 | $6,925,295,000 | $349,921 | $172,010 |
| 3 | United Wholesale Mortgage Plymouth, MI |
15,702 | $4,760,750,000 | $303,193 | $131,007 |
| 4 | US Bank, N.A. Cincinnati, OH |
15,488 | $3,156,540,000 | $203,805 | $123,327 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
15,215 | $4,554,955,000 | $299,372 | $135,642 |
| 6 | Fifth Third Bank, National Association Cincinnati, OH |
9,308 | $2,070,260,000 | $222,417 | $161,376 |
| 7 | Newrez LLC Fort Washington, PA |
9,196 | $2,429,050,000 | $264,142 | $128,296 |
| 8 | Crosscountry Mortgage, LLC Cleveland, OH |
8,785 | $2,820,915,000 | $321,105 | $158,876 |
| 9 | Huntington National Bank Columbus, OH |
8,781 | $2,311,455,000 | $263,233 | $171,579 |
| 10 | BMO Harris Bank NA Chicago, IL |
8,167 | $1,660,635,000 | $203,334 | $145,177 |
| 11 | Bank of America NA Westlake Village, CA |
7,840 | $2,106,190,000 | $268,646 | $174,209 |
| 12 | PNC Bank N.A. Pittsburgh, PA |
7,752 | $1,393,800,000 | $179,798 | $134,337 |
| 13 | loanDepot.com LLC Irvine, CA |
7,030 | $1,471,660,000 | $209,339 | $109,433 |
| 14 | New American Funding, Llc. Tustin, CA |
6,886 | $1,473,740,000 | $214,019 | $109,994 |
| 15 | Nationstar Mortgage Coppell, TX |
6,385 | $1,693,335,000 | $265,205 | $122,695 |
| 16 | Fairway Independent Mort Corp Madison, WI |
6,310 | $1,632,490,000 | $258,714 | $122,672 |
| 17 | Mortgage Research Center Columbia, MO |
5,917 | $1,644,055,000 | $277,852 | $107,929 |
| 18 | Greenstate Credit Union North Liberty, IA |
5,669 | $1,245,345,000 | $219,676 | $139,856 |
| 19 | Freedom Mortgage Corporation Boca Raton, FL |
5,127 | $1,469,075,000 | $286,536 | $113,374 |
| 20 | Coastal Community Bank Everett, WA |
4,874 | $366,250,000 | $75,143 | $155,546 |
| 21 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
4,768 | $1,464,480,000 | $307,147 | $143,877 |
| 22 | Citizens Equity First Credit U Peoria, IL |
4,229 | $486,025,000 | $114,926 | $111,470 |
| 23 | Citibank, NA New York, NY |
4,227 | $1,716,635,000 | $406,111 | $209,345 |
| 24 | Guild Mortgage Company San Diego, CA |
4,123 | $1,027,355,000 | $249,176 | $118,230 |
| 25 | Barrington Bank & Trust Company, N.A. Barrington, IL |
3,987 | $1,362,005,000 | $341,611 | $166,744 |
The tables below break down 2025 mortgage applications in Illinois by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Illinois in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 222,282 | $69,755,225,000 | $313,000 | $98,405,000 | $145,000 | $9,995,000 |
| Cash-out Refinancing | 72,194 | $16,342,270,000 | $226,000 | $89,095,000 | $126,000 | $9,104,000 |
| Refinancing | 69,174 | $25,515,465,000 | $368,000 | $88,865,000 | $172,000 | $9,360,000 |
| Other Purpose | 47,846 | $4,989,550,000 | $104,000 | $60,005,000 | $138,000 | $9,538,000 |
| Home Improvement | 38,781 | $4,235,195,000 | $109,000 | $52,655,000 | $143,000 | $8,844,000 |
| Not Applicable | 1,353 | $205,415,000 | $151,000 | $3,625,000 | $98,000 | $3,252,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 217,885 | $52,386,935,000 | $240,000 | $46,645,000 | $152,000 | $9,995,000 |
| Not applicable | 60,977 | $27,068,285,000 | $444,000 | $98,405,000 | $155,000 | $4,020,000 |
| Hispanic | 57,630 | $12,186,550,000 | $211,000 | $3,765,000 | $109,000 | $9,768,000 |
| Not Provided | 46,867 | $11,827,205,000 | $252,000 | $21,005,000 | $150,000 | $9,538,000 |
| Black or African American | 38,081 | $7,472,215,000 | $196,000 | $2,465,000 | $106,000 | $9,546,000 |
| Asian | 28,181 | $9,696,515,000 | $344,000 | $5,005,000 | $190,000 | $7,132,000 |
| American Indian or Alaskan Native | 1,636 | $320,080,000 | $195,000 | $3,005,000 | $127,000 | $7,989,000 |
| Native Hawaiian or Other Pacific Islander | 326 | $73,850,000 | $226,000 | $1,495,000 | $130,000 | $1,200,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 363,970 | $97,989,655,000 | $269,000 | $98,405,000 | $153,000 | $9,995,000 |
| FHA-insured (Federal Housing Administration) | 60,688 | $15,010,285,000 | $247,000 | $59,465,000 | $92,000 | $9,768,000 |
| VA-guaranteed (Veterans Administration) | 24,777 | $7,756,605,000 | $313,000 | $2,005,000 | $114,000 | $7,877,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,195 | $286,575,000 | $130,000 | $2,485,000 | $71,000 | $6,525,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 231,799 | $67,435,365,000 | $290,000 | $98,405,000 | $153,000 | $9,768,000 |
| Application Denied By Financial Institution | 66,749 | $11,704,030,000 | $175,000 | $85,005,000 | $110,000 | $9,216,000 |
| Application Withdrawn By Applicant | 59,893 | $17,286,640,000 | $288,000 | $59,465,000 | $152,000 | $9,995,000 |
| Loan Purchased By The Institution | 57,007 | $16,749,085,000 | $293,000 | $3,005,000 | $133,000 | $4,020,000 |
| File Closed For Incompleteness | 22,968 | $5,133,720,000 | $223,000 | $30,265,000 | $152,000 | $9,360,000 |
| Application Approved But Not Accepted | 12,254 | $2,457,530,000 | $200,000 | $29,715,000 | $144,000 | $7,083,000 |
| Preapproval Approved but not Accepted | 680 | $210,800,000 | $310,000 | $1,805,000 | $147,000 | $3,576,000 |
| Preapproval Denied by Financial Institution | 280 | $65,950,000 | $235,000 | $965,000 | $101,000 | $1,320,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 371,868 | $105,728,545,000 | $284,000 | $94,005,000 | $151,000 | $9,768,000 |
| Debt-To-Income Ratio | 34,415 | $7,384,115,000 | $214,000 | $98,405,000 | $104,000 | $9,995,000 |
| Credit History | 16,552 | $2,042,250,000 | $123,000 | $16,805,000 | $114,000 | $9,197,000 |
| Collateral | 10,087 | $1,850,865,000 | $183,000 | $12,375,000 | $133,000 | $5,613,000 |
| Credit Application Incomplete | 9,241 | $1,836,695,000 | $198,000 | $4,505,000 | $128,000 | $5,826,000 |
| Other | 4,685 | $1,117,880,000 | $238,000 | $85,005,000 | $137,000 | $6,000,000 |
| Unverifiable Information | 2,553 | $562,645,000 | $220,000 | $5,605,000 | $133,000 | $6,411,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1,510 | $377,190,000 | $249,000 | $3,345,000 | $115,000 | $9,216,000 |
| Employment History | 706 | $140,050,000 | $198,000 | $5,705,000 | $97,000 | $2,903,000 |
| Mortgage Insurance Denied | 13 | $2,885,000 | $221,000 | $825,000 | $104,000 | $204,000 |
Mortgage Loan Application Totals in 2025 by Illinois Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bloomington, IL | 6,063 | $ 1,212,305,000 | $ 199,000 | $ 120,000 |
| Champaign-Urbana, IL | 6,444 | $ 1,501,520,000 | $ 233,000 | $ 124,000 |
| Chicago-Naperville, IL | 257,258 | $ 82,113,250,000 | $ 319,000 | $ 161,000 |
| Decatur, IL | 3,399 | $ 436,915,000 | $ 128,000 | $ 91,000 |
| Elgin, IL | 33,350 | $ 8,667,390,000 | $ 259,000 | $ 140,000 |
| Kankakee, IL | 4,029 | $ 678,025,000 | $ 168,000 | $ 102,000 |
| Lake County-Kenosha County, IL-WI | 28,528 | $ 8,976,490,000 | $ 314,000 | $ 180,000 |
| Peoria, IL | 12,942 | $ 2,035,930,000 | $ 157,000 | $ 109,000 |
| Rockford, IL | 13,385 | $ 2,155,175,000 | $ 161,000 | $ 102,000 |
| Springfield, IL | 7,515 | $ 1,253,335,000 | $ 166,000 | $ 121,000 |
Mortgage Loan Application Totals in 2025 by Illinois County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams | 1,305 | $ 206,335,000 | $ 158,000 | $ 101,000 |
| Alexander | 110 | $ 10,620,000 | $ 96,000 | $ 83,000 |
| Bond | 496 | $ 75,730,000 | $ 152,000 | $ 97,000 |
| Boone | 2,116 | $ 406,280,000 | $ 192,000 | $ 123,000 |
| Brown | 65 | $ 9,565,000 | $ 147,000 | $ 163,000 |
| Bureau | 770 | $ 94,420,000 | $ 122,000 | $ 89,000 |
| Calhoun | 101 | $ 16,635,000 | $ 164,000 | $ 161,000 |
| Carroll | 417 | $ 73,695,000 | $ 176,000 | $ 151,000 |
| Cass | 243 | $ 26,435,000 | $ 108,000 | $ 78,000 |
| Champaign | 5,338 | $ 1,320,100,000 | $ 247,000 | $ 128,000 |
| Christian | 924 | $ 112,040,000 | $ 121,000 | $ 91,000 |
| Clark | 362 | $ 45,380,000 | $ 125,000 | $ 93,000 |
| Clay | 238 | $ 28,340,000 | $ 119,000 | $ 75,000 |
| Clinton | 1,238 | $ 207,690,000 | $ 167,000 | $ 119,000 |
| Coles | 1,187 | $ 144,155,000 | $ 121,000 | $ 89,000 |
| Cook | 172,097 | $ 56,639,380,000 | $ 329,000 | $ 161,000 |
| Crawford | 348 | $ 40,990,000 | $ 117,000 | $ 87,000 |
| Cumberland | 184 | $ 24,500,000 | $ 133,000 | $ 85,000 |
| De Witt | 477 | $ 71,585,000 | $ 150,000 | $ 96,000 |
| DeKalb | 3,949 | $ 853,475,000 | $ 216,000 | $ 113,000 |
| Douglas | 545 | $ 74,165,000 | $ 136,000 | $ 93,000 |
| DuPage | 34,536 | $ 11,901,385,000 | $ 344,000 | $ 184,000 |
| Edgar | 451 | $ 44,955,000 | $ 99,000 | $ 81,000 |
| Edwards | 116 | $ 12,890,000 | $ 111,000 | $ 82,000 |
| Effingham | 814 | $ 137,190,000 | $ 168,000 | $ 102,000 |
| Fayette | 483 | $ 63,485,000 | $ 131,000 | $ 83,000 |
| Ford | 485 | $ 65,525,000 | $ 135,000 | $ 95,000 |
| Franklin | 1,116 | $ 130,380,000 | $ 116,000 | $ 79,000 |
| Fulton | 926 | $ 99,310,000 | $ 107,000 | $ 81,000 |
| Gallatin | 105 | $ 12,865,000 | $ 122,000 | $ 72,000 |
| Greene | 293 | $ 31,565,000 | $ 107,000 | $ 80,000 |
| Grundy | 2,233 | $ 486,785,000 | $ 217,000 | $ 126,000 |
| Hamilton | 149 | $ 19,895,000 | $ 133,000 | $ 76,000 |
| Hancock | 373 | $ 40,925,000 | $ 109,000 | $ 89,000 |
| Hardin | 74 | $ 8,640,000 | $ 116,000 | $ 96,000 |
| Henderson | 126 | $ 14,190,000 | $ 112,000 | $ 94,000 |
| Henry | 1,584 | $ 212,130,000 | $ 133,000 | $ 96,000 |
| Iroquois | 678 | $ 93,260,000 | $ 137,000 | $ 98,000 |
| Jackson | 1,098 | $ 188,520,000 | $ 171,000 | $ 92,000 |
| Jasper | 184 | $ 24,880,000 | $ 135,000 | $ 122,000 |
| Jefferson | 1,087 | $ 134,725,000 | $ 123,000 | $ 82,000 |
| Jersey | 826 | $ 129,350,000 | $ 156,000 | $ 103,000 |
| Jo Daviess | 703 | $ 134,535,000 | $ 191,000 | $ 141,000 |
| Johnson | 364 | $ 56,460,000 | $ 155,000 | $ 102,000 |
| Kane | 21,768 | $ 5,718,670,000 | $ 262,000 | $ 145,000 |
| Kankakee | 4,029 | $ 678,025,000 | $ 168,000 | $ 102,000 |
| Kendall | 7,633 | $ 2,095,245,000 | $ 274,000 | $ 141,000 |
| Knox | 1,377 | $ 143,285,000 | $ 104,000 | $ 93,000 |
| Lake | 28,528 | $ 8,976,490,000 | $ 314,000 | $ 180,000 |
| LaSalle | 3,418 | $ 569,420,000 | $ 166,000 | $ 101,000 |
| Lawrence | 286 | $ 34,890,000 | $ 121,000 | $ 88,000 |
| Lee | 835 | $ 126,375,000 | $ 151,000 | $ 105,000 |
| Livingston | 1,180 | $ 153,010,000 | $ 129,000 | $ 91,000 |
| Logan | 1,012 | $ 116,600,000 | $ 115,000 | $ 93,000 |
| Macon | 3,399 | $ 436,915,000 | $ 128,000 | $ 91,000 |
| Macoupin | 1,581 | $ 203,995,000 | $ 129,000 | $ 92,000 |
| Madison | 11,945 | $ 2,069,915,000 | $ 173,000 | $ 114,000 |
| Marion | 1,113 | $ 149,805,000 | $ 134,000 | $ 90,000 |
| Marshall | 422 | $ 57,820,000 | $ 137,000 | $ 92,000 |
| Mason | 395 | $ 39,605,000 | $ 100,000 | $ 85,000 |
| Massac | 428 | $ 49,270,000 | $ 115,000 | $ 80,000 |
| McDonough | 571 | $ 62,755,000 | $ 109,000 | $ 78,000 |
| McHenry | 15,522 | $ 4,035,630,000 | $ 259,000 | $ 133,000 |
| McLean | 6,063 | $ 1,212,305,000 | $ 199,000 | $ 120,000 |
| Menard | 425 | $ 63,685,000 | $ 149,000 | $ 109,000 |
| Mercer | 557 | $ 73,965,000 | $ 132,000 | $ 91,000 |
| Monroe | 1,426 | $ 322,950,000 | $ 226,000 | $ 141,000 |
| Montgomery | 629 | $ 80,425,000 | $ 127,000 | $ 85,000 |
| Morgan | 773 | $ 113,995,000 | $ 147,000 | $ 94,000 |
| Moultrie | 362 | $ 47,190,000 | $ 130,000 | $ 99,000 |
| Ogle | 1,676 | $ 289,070,000 | $ 172,000 | $ 110,000 |
| Peoria | 6,058 | $ 1,011,530,000 | $ 166,000 | $ 115,000 |
| Perry | 364 | $ 44,570,000 | $ 122,000 | $ 88,000 |
| Piatt | 621 | $ 115,895,000 | $ 186,000 | $ 119,000 |
| Pike | 233 | $ 27,225,000 | $ 116,000 | $ 84,000 |
| Pope | 124 | $ 19,600,000 | $ 158,000 | $ 106,000 |
| Pulaski | 101 | $ 10,495,000 | $ 103,000 | $ 70,000 |
| Putnam | 189 | $ 27,035,000 | $ 143,000 | $ 118,000 |
| Randolph | 687 | $ 94,555,000 | $ 137,000 | $ 105,000 |
| Richland | 196 | $ 25,180,000 | $ 128,000 | $ 108,000 |
| Rock Island | 5,076 | $ 695,290,000 | $ 136,000 | $ 98,000 |
| Saline | 600 | $ 70,860,000 | $ 118,000 | $ 96,000 |
| Sangamon | 7,090 | $ 1,189,650,000 | $ 167,000 | $ 121,000 |
| Schuyler | 123 | $ 16,805,000 | $ 136,000 | $ 95,000 |
| Scott | 94 | $ 9,050,000 | $ 96,000 | $ 70,000 |
| Shelby | 381 | $ 55,645,000 | $ 146,000 | $ 92,000 |
| St. Clair | 11,526 | $ 2,214,130,000 | $ 192,000 | $ 113,000 |
| Stark | 137 | $ 14,145,000 | $ 103,000 | $ 91,000 |
| Stephenson | 1,498 | $ 188,330,000 | $ 125,000 | $ 88,000 |
| Tazewell | 4,943 | $ 725,435,000 | $ 146,000 | $ 103,000 |
| Union | 358 | $ 53,720,000 | $ 150,000 | $ 105,000 |
| Vermilion | 1,920 | $ 235,840,000 | $ 122,000 | $ 86,000 |
| Wabash | 210 | $ 25,810,000 | $ 122,000 | $ 78,000 |
| Warren | 324 | $ 38,000,000 | $ 117,000 | $ 81,000 |
| Washington | 359 | $ 46,595,000 | $ 129,000 | $ 99,000 |
| Wayne | 308 | $ 42,870,000 | $ 139,000 | $ 102,000 |
| White | 341 | $ 42,295,000 | $ 124,000 | $ 89,000 |
| Whiteside | 1,421 | $ 181,085,000 | $ 127,000 | $ 89,000 |
| Will | 32,870 | $ 9,050,070,000 | $ 275,000 | $ 148,000 |
| Williamson | 2,160 | $ 348,850,000 | $ 161,000 | $ 108,000 |
| Winnebago | 11,269 | $ 1,748,895,000 | $ 155,000 | $ 98,000 |
| Woodford | 1,382 | $ 227,000,000 | $ 164,000 | $ 116,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Illinois's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Illinois's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About