Kendall County
Illinois · FIPS 17093
According to CFPB HMDA 2024 application volume among U.S. counties, Kendall County ranks #410 of 3,210, and #10 of 102 in Illinois.
Mortgage lending activity in Kendall County, Illinois based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Kendall County, Illinois saw 6,488 HMDA-reported mortgage applications in 2024. Lenders originated 3,410 of those loans and denied 1,016, producing a denial rate of 15.7% and an approval (origination) rate of 52.6%. The average loan amount was $278,240 at an average note rate of 7.27%, with applicants self-reporting average annual income of $39K. 275 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Kendall County
In Kendall County, lead originator Guaranteed Rate, INC. funded only 6.5% of 3,410 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 16.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Kendall County's 6,488 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kendall County's $278,240 average loan (deduped against volume peers).
Lenders active in Kendall County
Guaranteed Rate, INC. funded 221 of the 3,410 loans originated in Kendall County, 6.5% of the county. 275 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guaranteed Rate, INC. | 221 | 6.5% |
| 2 | Rocket Mortgage | 178 | 5.2% |
| 3 | United Wholesale Mortgage | 157 | 4.6% |
| 4 | Nvr Mortgage Finance, INC. | 153 | 4.5% |
| 5 | Guild Mortgage Company | 132 | 3.9% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Kendall County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Kendall County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.