Stephenson County, IL Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,498 mortgage applications in Stephenson County, IL totaling $188.3 million, up 42% from 2024. The average application was for $125,000, and applicants reported an average income of $88,000. 45% of applications resulted in an originated loan and 14% were denied. The most active lender was Kiavi Funding, Inc., with 199 applications, followed by Greenstate Credit Union and US Bank, N.A..
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| 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 | 1,498 |
| Total Mortgage Loan Application Amount | $188,330,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $7,805,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $1,958,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 199 | $ 10,945,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 185 | $ 19,345,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 107 | $ 9,955,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 55 | $ 6,605,000 |
| Cornerstone Credit Union 550 W. MEADOWS DRIVE FREEPORT, IL 61032 |
* | $ n/a | 53 | $ 3,555,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 44 | $ 3,940,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 43 | $ 7,965,000 |
| Union Savings Bank 223 W STEPHENSON ST FREEPORT, IL 61032 |
* | $ n/a | 42 | $ 5,260,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 32 | $ 4,040,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 30 | $ 2,720,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 23 | $ 4,545,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 23 | $ 4,225,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 22 | $ 3,890,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 20 | $ 1,500,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 19 | $ 5,505,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 19 | $ 2,385,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 18 | $ 1,040,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 17 | $ 2,095,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 17 | $ 1,415,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 16 | $ 2,870,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 16 | $ 2,310,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 13 | $ 1,985,000 |
| Foresight Bank 809 CANNEL PURI CT WINNEBAGO, IL 61088 |
* | $ n/a | 13 | $ 1,575,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 12 | $ 1,900,000 |
| First Community Credit Union of Beloit 1702 PARK AVE BELOIT, WI 53511 |
* | $ n/a | 12 | $ 1,430,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 12 | $ 1,250,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 11 | $ 1,145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 10 | $ 990,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 9 | $ 1,115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 685,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 9 | $ 2,095,000 |
| Woodford State Bank 403 WEST 8TH STREET, PO BOX 766 MONROE, WI 53566 |
* | $ n/a | 9 | $ 1,825,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 9 | $ 1,845,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ n/a | 8 | $ 440,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 8 | $ 580,000 |
| The Bank of New Glarus 501 FIRST STREET PO BOX 129 NEW GLARUS, WI 53574 |
* | $ n/a | 8 | $ 990,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 8 | $ 880,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 7 | $ 235,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 7 | $ 775,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 7 | $ 425,000 |
| First Northern Credit Union 230 W MONROE, SUITE 2850 CHICAGO, IL 60606 |
* | $ n/a | 7 | $ 1,055,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 435,000 |
| First National Bank and Trust 345 E GRAND AVE BELOIT, WI 53511 |
* | $ n/a | 6 | $ 960,000 |
| Stillman Banccorp NA 101 E. MAIN STREET P.O. BOX 150 STILLMAN VALLEY, IL 61084 |
* | $ n/a | 6 | $ 860,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 6 | $ 1,120,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 6 | $ 1,060,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 6 | $ 800,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 6 | $ 1,110,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 5 | $ 545,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 445,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 1,095,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 5 | $ 1,005,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 5 | $ 325,000 |
| Northwest Bank of Rockford 3106 N ROCKTON AVE ROCKFORD, IL 61103 |
* | $ n/a | 5 | $ 625,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 4 | $ 470,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 4 | $ 350,000 |
| St. Charles Bank & Trust Company, N.A. 411 WEST MAIN STREET SAINT CHARLES, IL 60174 |
* | $ n/a | 4 | $ 1,360,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 520,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 4 | $ 370,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 670,000 |
| Re Investment Loans LLC GREENWOOD VILLAGE, CO 80112 |
* | $ n/a | 4 | $ 3,180,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 535,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 1,835,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 335,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 175,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 185,000 |
| Key Mortgage Services, Inc. 475 N. MARTINGALE RD. SUITE 100 SCHAUMBURG, IL 60173 |
* | $ n/a | 3 | $ 215,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ n/a | 3 | $ 435,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 365,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 295,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 525,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 3 | $ 585,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 215,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 160,000 |
| Consumers Credit Union 1075 TRI STATE PARKWAY STE 850 GURNEE, IL 60031 |
* | $ n/a | 2 | $ 240,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 310,000 |
| Illinois State Credit Union 1309 S CENTER NORMAL, IL 61761 |
* | $ n/a | 2 | $ 180,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 90,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 240,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 2 | $ 360,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 320,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 110,000 |
| Rock Valley Credit Union 1201 CLIFFORD AVE LOVES PARK, IL 61111 |
* | $ n/a | 2 | $ 140,000 |
| Sauk Valley Bank & Trust Company 3319 E LINCOLNWAY STERLING, IL 61081 |
* | $ n/a | 2 | $ 230,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 260,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 350,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 2 | $ 320,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 2 | $ 490,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 2 | $ 140,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ n/a | 2 | $ 210,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ n/a | 2 | $ 860,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 2 | $ 150,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 2 | $ 250,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 2 | $ 760,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ n/a | 2 | $ 220,000 |
| The Bank of Brodhead 806 E EXCHANGE ST. BRODHEAD, WI 53520 |
* | $ n/a | 2 | $ 120,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 350,000 |
| Membersalliance Credit Union 5286 NIMTZ ROAD LOVES PARK, IL 61111 |
* | $ n/a | 2 | $ 220,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 75,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 65,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 55,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 175,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 45,000 |
| National Police Federal Credit Union 1407 W. WASHINGTON BLVD. CHICAGO, IL 60607 |
* | $ n/a | 1 | $ 155,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 1 | $ 1,655,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 195,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 95,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ n/a | 1 | $ 105,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ n/a | 1 | $ 105,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 235,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 305,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 265,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 185,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ n/a | 1 | $ 455,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ n/a | 1 | $ 105,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 105,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 175,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 85,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 245,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 75,000 |
| Originpoint, LLC 1800 W LARCHMONT AVE SUITE 305 CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 85,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ n/a | 1 | $ 35,000 |
| Byron Bank 200 N WALNUT ST BYRON, IL 61010 |
* | $ n/a | 1 | $ 205,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ n/a | 1 | $ 245,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 215,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 1 | $ 45,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 435,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 115,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ n/a | 1 | $ 135,000 |
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ n/a | 1 | $ 255,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 565,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 125,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 115,000 |
| Northbrook Bank & Trust Company, N.A. 1100 WAUKEGAN ROAD NORTHBROOK, IL 60062 |
* | $ n/a | 1 | $ 375,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ n/a | 1 | $ 135,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 35,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 1 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 355,000 |
| Wintrust Bank, N.A. 231 SOUTH LA SALLE STREET CHICAGO, IL 60604 |
* | $ n/a | 1 | $ 7,805,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 65,000 |
| Premierbank 100 SHERMAN AVE E FORT ATKINSON, WI 53538 |
* | $ n/a | 1 | $ 245,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ n/a | 1 | $ 305,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 305,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 45,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 25,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 205,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 55,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ n/a | 1 | $ 55,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ n/a | 1 | $ 405,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 1 | $ 45,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ n/a | 1 | $ 165,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ n/a | 1 | $ 145,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 325,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ n/a | 1 | $ 105,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 245,000 |
| Longview Bank PO BOX 47 102 SOUTH EAST AVENUE OGDEN, IL 61859 |
* | $ n/a | 1 | $ 235,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Stephenson County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Stephenson County, IL 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 | 678 | $100,050,000 | $147,000 | $2,525,000 | $84,000 | $818,000 |
| Refinancing | 362 | $44,380,000 | $122,000 | $7,805,000 | $89,000 | $283,000 |
| Cash-out Refinancing | 224 | $31,050,000 | $138,000 | $945,000 | $80,000 | $300,000 |
| Other Purpose | 119 | $6,645,000 | $55,000 | $255,000 | $86,000 | $600,000 |
| Home Improvement | 106 | $5,390,000 | $50,000 | $175,000 | $126,000 | $1,958,000 |
| Not Applicable | 9 | $815,000 | $90,000 | $175,000 | $46,000 | $46,000 |
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 | 879 | $106,575,000 | $121,000 | $645,000 | $89,000 | $1,958,000 |
| Not applicable | 329 | $41,845,000 | $127,000 | $7,805,000 | $102,000 | $247,000 |
| Not Provided | 106 | $16,170,000 | $152,000 | $705,000 | $94,000 | $238,000 |
| Black or African American | 88 | $9,380,000 | $106,000 | $475,000 | $80,000 | $600,000 |
| Hispanic | 79 | $10,435,000 | $132,000 | $795,000 | $79,000 | $281,000 |
| Asian | 14 | $3,470,000 | $247,000 | $1,655,000 | $80,000 | $146,000 |
| American Indian or Alaskan Native | 3 | $455,000 | $151,000 | $405,000 | $36,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,126 | $128,780,000 | $114,000 | $7,805,000 | $94,000 | $1,958,000 |
| FHA-insured (Federal Housing Administration) | 247 | $34,945,000 | $141,000 | $425,000 | $67,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 99 | $21,295,000 | $215,000 | $675,000 | $87,000 | $374,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,310,000 | $127,000 | $215,000 | $62,000 | $109,000 |
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 | 681 | $99,855,000 | $146,000 | $7,805,000 | $96,000 | $1,958,000 |
| File Closed For Incompleteness | 237 | $16,075,000 | $67,000 | $705,000 | $102,000 | $1,080,000 |
| Application Denied By Financial Institution | 208 | $21,170,000 | $101,000 | $565,000 | $68,000 | $600,000 |
| Application Withdrawn By Applicant | 180 | $25,230,000 | $140,000 | $1,005,000 | $83,000 | $608,000 |
| Loan Purchased By The Institution | 159 | $20,235,000 | $127,000 | $425,000 | $76,000 | $247,000 |
| Application Approved But Not Accepted | 28 | $5,040,000 | $180,000 | $1,655,000 | $76,000 | $174,000 |
| Preapproval Approved but not Accepted | 4 | $590,000 | $147,000 | $235,000 | $109,000 | $140,000 |
| Preapproval Denied by Financial Institution | 1 | $135,000 | $135,000 | $135,000 | $70,000 | $70,000 |
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 | 1,210 | $155,650,000 | $128,000 | $7,805,000 | $91,000 | $1,958,000 |
| Debt-To-Income Ratio | 132 | $17,380,000 | $131,000 | $755,000 | $83,000 | $651,000 |
| Credit History | 60 | $4,440,000 | $74,000 | $255,000 | $70,000 | $224,000 |
| Collateral | 48 | $6,000,000 | $125,000 | $565,000 | $72,000 | $227,000 |
| Credit Application Incomplete | 18 | $1,940,000 | $107,000 | $305,000 | $112,000 | $600,000 |
| Unverifiable Information | 14 | $820,000 | $58,000 | $105,000 | $30,000 | $133,000 |
| Other | 12 | $1,320,000 | $110,000 | $435,000 | $84,000 | $281,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $655,000 | $218,000 | $455,000 | $59,000 | $63,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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