IL · Statewide HMDA 2024
Illinois mortgage lending
According to the CFPB HMDA 2024 Snapshot, 1,026 reporting lenders · 102 counties · 14 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Illinois ranks #8 of 54 by application volume but #32 of 52 states with 10,000+ applications on origination share (51.7%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #32
- Origination-share rank of 52
- 51.7%
- Origination share
- 203,788
- Originated
- 16.5%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
394,313reported applications
CFPB HMDA state filing plate
State IL · Illinois 16.5% denial
VOL-HEAVY · DEN-MID · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #8/54
- DEN-MID 16.5%
- NEAR-PEER Nevada
- ORIG-FLOOR 51.7%
- BOOK-FULL 1026 lenders
- LEAD-MIX 5% top
Photo-finish peer: Nevada · 16.6% denial (+0.1pp vs Illinois)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Illinois
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Illinois: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (16.5% here).
Similar application volume
Nearest states by HMDA applications filed (394,313 here).
Top lenders by originations · Illinois
Funded loans among HMDA-reporting institutions active in this state.
Where Illinois sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
394,313 Top 15% higher than 85% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Illinois
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Illinois filed 394,313 HMDA-reported applications in 2024 (#8 of 54 by volume) with a 16.5% denial rate - near the national 17.2% baseline. White applicants (226,028 apps) show 16.0% denial; Black or African American applicants (36,117 apps) show 27.6% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Illinois
Top HMDA-reporting lenders active in Illinois. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 9,338 | 4.6% |
| 2 | Guaranteed Rate, INC. | 9,021 | 4.4% |
| 3 | United Wholesale Mortgage | 8,956 | 4.4% |
| 4 | JPMorgan Chase Bank, NA | 7,493 | 3.7% |
| 5 | Crosscountry Mortgage, LLC | 5,020 | 2.5% |
Reported outcomes by applicant race in Illinois
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 226,028 | 61.1% | 16.0% |
| Black or African American | 36,117 | 42.8% | 27.6% |
| Asian | 24,188 | 57.5% | 15.9% |
| Joint | 6,113 | 62.5% | 13.6% |
| American Indian or Alaska Native | 2,068 | 40.9% | 31.3% |
| 2 or more minority races | 685 | 42.6% | 29.8% |
| Native Hawaiian or Other Pacific Islander | 459 | 44.7% | 30.1% |
Every county in Illinois, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Cook County | 148,304 | 70,838 | 17.9% | $347,453 |
| DuPage County | 29,522 | 15,547 | 15.5% | $318,772 |
| Will County | 28,359 | 14,339 | 16.5% | $248,988 |
| Lake County | 24,323 | 12,606 | 15.6% | $321,104 |
| Kane County | 19,243 | 10,241 | 15.4% | $261,789 |
| McHenry County | 13,845 | 7,500 | 14.8% | $229,990 |
| Madison County | 10,758 | 5,954 | 14.1% | $160,458 |
| St. Clair County | 10,601 | 5,420 | 17.2% | $187,444 |
| Winnebago County | 9,931 | 5,491 | 16.3% | $142,694 |
| Kendall County | 6,488 | 3,410 | 15.7% | $278,240 |
| Sangamon County | 6,111 | 3,902 | 12.9% | $155,962 |
| Peoria County | 5,546 | 3,317 | 14.5% | $144,486 |
| McLean County | 5,332 | 3,174 | 11.2% | $208,151 |
| Champaign County | 4,648 | 2,922 | 12.5% | $244,660 |
| Rock Island County | 4,593 | 2,590 | 14.4% | $135,253 |
| Tazewell County | 4,407 | 2,769 | 11.9% | $136,466 |
| Kankakee County | 3,575 | 1,866 | 17.7% | $165,881 |
| DeKalb County | 3,428 | 1,867 | 14.1% | $193,915 |
| LaSalle County | 2,818 | 1,653 | 14.2% | $160,774 |
| Macon County | 2,699 | 1,504 | 16.4% | $127,245 |
| Williamson County | 2,158 | 1,116 | 15.3% | $158,007 |
| Grundy County | 1,963 | 1,074 | 13.9% | $196,156 |
| Boone County | 1,902 | 998 | 17.7% | $176,293 |
| Vermilion County | 1,633 | 929 | 17.0% | $116,739 |
| Ogle County | 1,441 | 840 | 13.9% | $154,507 |
| Knox County | 1,400 | 788 | 16.7% | $98,171 |
| Macoupin County | 1,391 | 816 | 15.1% | $119,105 |
| Henry County | 1,329 | 789 | 13.2% | $127,536 |
| Monroe County | 1,257 | 748 | 14.6% | $210,696 |
| Adams County | 1,249 | 717 | 11.9% | $151,453 |
| Whiteside County | 1,183 | 675 | 15.4% | $115,211 |
| Woodford County | 1,096 | 715 | 10.6% | $156,551 |
| Clinton County | 1,092 | 664 | 11.8% | $168,553 |
| Stephenson County | 1,058 | 566 | 16.0% | $118,166 |
| Marion County | 1,017 | 472 | 19.7% | $117,065 |
| Livingston County | 1,002 | 603 | 13.6% | $116,437 |
| Jackson County | 998 | 458 | 19.9% | $161,784 |
| Franklin County | 972 | 371 | 18.9% | $115,484 |
| Coles County | 931 | 549 | 16.6% | $121,950 |
| Jefferson County | 915 | 433 | 21.1% | $124,607 |
| Fulton County | 877 | 532 | 14.5% | $103,358 |
| Logan County | 871 | 524 | 13.7% | $111,418 |
| Bureau County | 791 | 485 | 13.5% | $124,431 |
| Jersey County | 747 | 441 | 11.2% | $182,082 |
| Lee County | 746 | 429 | 16.4% | $127,426 |
| Christian County | 723 | 415 | 16.0% | $116,148 |
| Morgan County | 694 | 376 | 16.6% | $144,755 |
| Effingham County | 683 | 354 | 20.4% | $161,457 |
| Randolph County | 610 | 367 | 14.1% | $123,410 |
| Iroquois County | 606 | 318 | 18.8% | $127,541 |
| Jo Daviess County | 593 | 356 | 17.7% | $172,437 |
| Montgomery County | 560 | 295 | 15.9% | $119,357 |
| Saline County | 535 | 270 | 20.2% | $124,514 |
| Piatt County | 527 | 349 | 11.4% | $164,753 |
| McDonough County | 485 | 290 | 13.6% | $107,268 |
| Bond County | 476 | 257 | 18.3% | $151,029 |
| Mercer County | 454 | 278 | 12.8% | $116,916 |
| Edgar County | 447 | 258 | 18.6% | $107,013 |
| Fayette County | 443 | 231 | 21.2% | $133,916 |
| Ford County | 417 | 232 | 17.5% | $118,885 |
| Douglas County | 415 | 269 | 12.8% | $278,759 |
| Marshall County | 376 | 234 | 15.4% | $131,064 |
| De Witt County | 365 | 209 | 12.3% | $143,493 |
| Perry County | 356 | 162 | 21.6% | $116,236 |
| Washington County | 355 | 186 | 18.9% | $132,521 |
| Hancock County | 341 | 196 | 17.0% | $103,504 |
| Shelby County | 339 | 180 | 18.0% | $133,437 |
| Menard County | 335 | 208 | 12.2% | $146,731 |
| Mason County | 328 | 197 | 18.3% | $98,902 |
| Johnson County | 327 | 148 | 19.9% | $164,021 |
| Carroll County | 321 | 165 | 16.5% | $155,997 |
| Moultrie County | 313 | 174 | 21.1% | $120,655 |
| Crawford County | 311 | 164 | 20.9% | $102,846 |
| White County | 307 | 139 | 21.2% | $121,775 |
| Union County | 302 | 131 | 16.9% | $136,457 |
| Warren County | 286 | 164 | 16.4% | $128,881 |
| Clark County | 284 | 138 | 25.0% | $117,817 |
| Lawrence County | 279 | 140 | 25.4% | $96,541 |
| Massac County | 269 | 102 | 25.3% | $134,703 |
| Greene County | 257 | 145 | 17.9% | $102,043 |
| Wayne County | 244 | 92 | 29.1% | $106,107 |
| Pike County | 234 | 117 | 11.5% | $120,000 |
| Cass County | 233 | 153 | 12.0% | $100,150 |
| Clay County | 233 | 116 | 18.4% | $110,665 |
| Wabash County | 193 | 72 | 23.3% | $117,487 |
| Richland County | 186 | 83 | 31.2% | $142,742 |
| Jasper County | 178 | 95 | 21.9% | $124,888 |
| Hamilton County | 166 | 78 | 18.7% | $136,265 |
| Cumberland County | 152 | 72 | 19.1% | $136,447 |
| Putnam County | 136 | 75 | 17.6% | $156,029 |
| Stark County | 129 | 83 | 9.3% | $106,550 |
| Schuyler County | 118 | 76 | 12.7% | $117,627 |
| Calhoun County | 106 | 68 | 10.4% | $140,943 |
| Alexander County | 101 | 30 | 33.7% | $97,079 |
| Gallatin County | 99 | 43 | 26.3% | $102,778 |
| Henderson County | 84 | 37 | 21.4% | $94,167 |
| Pulaski County | 80 | 22 | 36.3% | $116,000 |
| Pope County | 77 | 36 | 15.6% | $150,325 |
| Edwards County | 73 | 27 | 30.1% | $89,658 |
| Scott County | 60 | 37 | 16.7% | $99,833 |
| Hardin County | 60 | 29 | 25.0% | $107,167 |
| Brown County | 44 | 20 | 11.4% | $112,273 |
Metro Areas in Illinois
Frequently Asked Questions
How many mortgage applications were filed in Illinois?
Where does Illinois sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Illinois?
What is the average mortgage loan amount in Illinois?
How many mortgage lenders operate in Illinois?
How do mortgage denial rates vary by demographics in Illinois?
Which counties in Illinois have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
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 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.