Mortgage lenders in McHenry County
8,411 mortgages were made in McHenry County, Illinois, in 2025, by 420 lenders. The median rate their borrowers got was 6.750% on a median loan of $235,000. Of 10,889 decisions, 2,030 were denials — 18.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 497 | 6.620% | $295,000 | 11.9% |
| Rocket Mortgage, LLC | 488 | 6.990% | $195,000 | 15.4% |
| GUARANTEED RATE, INC. | 327 | 6.625% | $275,000 | 5.3% |
| Fairway Independent Mortgage Corporation | 307 | 6.875% | $275,000 | 4.0% |
| BMO Bank National Association | 298 | 8.430% | $105,000 | 36.1% |
| LENNAR MORTGAGE, LLC | 284 | 5.625% | $345,000 | 9.3% |
| Baxter Credit Union | 266 | 7.500% | $100,000 | 16.2% |
| JPMorgan Chase Bank, National Association | 247 | 6.500% | $255,000 | 13.8% |
| Fifth Third Bank, National Association | 225 | 7.500% | $105,000 | 35.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 220 | 6.750% | $285,000 | 6.3% |
| CONSUMERS COOPERATIVE CREDIT UNION | 198 | 6.495% | $85,000 | 6.4% |
| GREENSTATE Credit Union | 154 | 6.625% | $205,000 | 7.3% |
| DHI MORTGAGE COMPANY, LTD. | 149 | 5.875% | $295,000 | 13.9% |
| Barrington Bank & Trust Company, National Association | 136 | 6.625% | $285,000 | 0.0% |
| Home State Bank, National Association | 123 | 6.500% | $265,000 | 1.5% |
| The Huntington National Bank | 121 | 7.690% | $125,000 | 39.5% |
| PNC Bank, National Association | 120 | 7.740% | $105,000 | 22.6% |
| First National Bank of Omaha | 119 | 6.990% | $95,000 | 25.2% |
| U.S. Bank National Association | 118 | 8.250% | $150,000 | 44.8% |
| UNION HOME MORTGAGE CORP. | 112 | 6.875% | $325,000 | 5.1% |
| Broker Solutions, Inc. | 107 | 6.875% | $245,000 | 8.3% |
| NATIONSTAR MORTGAGE LLC | 105 | 8.125% | $135,000 | 13.0% |
| Loandepot.Com, LLC | 100 | 6.750% | $275,000 | 23.0% |
| KEY MORTGAGE SERVICES, INC. | 99 | 6.625% | $275,000 | 1.0% |
| NEWREZ LLC | 97 | 6.990% | $205,000 | 32.4% |
| Bank of America, National Association | 93 | 6.250% | $135,000 | 45.9% |
| First American Bank | 93 | 6.625% | $105,000 | 25.0% |
| ADVIA Federal Credit Union | 92 | 7.000% | $90,000 | 32.4% |
| GUILD MORTGAGE COMPANY | 89 | 6.625% | $305,000 | 8.8% |
| FREEDOM MORTGAGE CORPORATION | 88 | 6.250% | $320,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 86 | 6.437% | $275,000 | 16.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 78 | 6.875% | $285,000 | 6.0% |
| Mortgage Research Center, LLC | 74 | 6.125% | $360,000 | 20.2% |
| FIGURE LENDING LLC | 71 | 8.650% | $65,000 | 19.7% |
| M/I FINANCIAL, LLC | 71 | 5.875% | $405,000 | 1.3% |
| Old National Bank | 68 | 6.050% | $120,000 | 19.1% |
| MLD MORTGAGE INC. | 66 | 6.688% | $285,000 | 1.5% |
| TOWNE MORTGAGE COMPANY | 63 | 6.625% | $285,000 | 2.8% |
| Prosperity Home Mortgage, LLC | 61 | 6.875% | $265,000 | 4.7% |
| LOWER, LLC | 61 | 6.750% | $305,000 | 3.2% |
| THE LOAN STORE, INC. | 57 | 6.625% | $275,000 | 7.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 54 | 6.490% | $265,000 | 11.1% |
| Navy Federal Credit Union | 49 | 7.750% | $145,000 | 37.5% |
| Associated Bank, National Association | 48 | 7.000% | $135,000 | 19.7% |
| Coastal Community Bank | 44 | 10.615% | $55,000 | 3.0% |
| PLAZA HOME MORTGAGE, INC. | 43 | 6.625% | $295,000 | 17.0% |
| SPRING EQ, LLC | 42 | 9.238% | $65,000 | 56.6% |
| LAKEVIEW LOAN SERVICING, LLC | 41 | 6.750% | $275,000 | 53.4% |
| GUARANTEED RATE AFFINITY, LLC | 41 | 6.850% | $305,000 | 4.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 39 | 8.290% | $105,000 | 11.4% |
| ALLIANT CREDIT UNION | 38 | 7.000% | $160,000 | 28.3% |
| COMPASS MORTGAGE, INC. | 38 | 6.625% | $305,000 | 0.0% |
| OriginPoint, LLC | 36 | 6.688% | $285,000 | 5.1% |
| Lendage, LLC | 34 | 11.500% | $55,000 | 15.9% |
| AmeriSave Mortgage Corporation | 32 | 8.750% | $70,000 | 60.9% |
| Nations Lending Corporation | 30 | 6.688% | $290,000 | 0.0% |
| CIBM Bank | 28 | 6.500% | $270,000 | 3.5% |
| MORTGAGE CENTER L.C | 28 | 6.625% | $205,000 | 6.7% |
| Citibank, National Association | 26 | 6.313% | $270,000 | 28.2% |
| BAY EQUITY LLC | 26 | 6.625% | $270,000 | 0.0% |
| Old Second National Bank | 26 | 6.750% | $230,000 | 6.5% |
| Discover Bank | 25 | 8.560% | $55,000 | 71.6% |
| The Federal Savings Bank | 25 | 6.625% | $265,000 | 7.4% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 25 | 7.500% | $125,000 | 21.1% |
| RESICENTRAL, LLC | 25 | 6.625% | $325,000 | 3.9% |
| Third Federal Savings and Loan Association of Cleveland | 24 | 6.990% | $105,000 | 42.9% |
| Synergy One Lending, Inc. | 24 | 6.875% | $285,000 | 14.3% |
| Wells Fargo Bank, National Association | 23 | 6.250% | $245,000 | 25.8% |
| Cornerstone First Mortgage, Inc | 22 | 6.750% | $250,000 | 8.3% |
| A&D Mortgage LLC | 22 | 6.688% | $295,000 | 8.3% |
| 254900O723MCLR701H50 | 21 | 0.000% | $5,000 | 65.6% |
| CONSUMER REAL ESTATE FINANCE CO. | 21 | 6.625% | $315,000 | 27.6% |
| ZILLOW HOME LOANS, LLC | 21 | 6.625% | $315,000 | 8.7% |
| A & N MORTGAGE SERVICES, INC. | 21 | 6.500% | $365,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 20 | 6.625% | $295,000 | 12.5% |
| Citizens Bank, National Association | 19 | 7.900% | $155,000 | 17.4% |
| Sauk Valley Bank & Trust Company | 19 | Not published | $405,000 | 5.0% |
| POLISH & SLAVIC | 18 | Not published | $105,000 | 36.7% |
| Abbott Laboratories Employees Credit Union | 18 | Not published | $80,000 | 5.3% |
| Crystal Lake Bank & Trust Company, N.A. | 17 | Not published | $435,000 | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 16 | 6.875% | $290,000 | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 15 | 6.875% | $265,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 15 | 6.625% | $275,000 | 0.0% |
| American Community Bank & Trust | 15 | Not published | $185,000 | 0.0% |
| Great Lakes Credit Union | 14 | 8.500% | $95,000 | 57.6% |
| BETTER MORTGAGE CORPORATION | 14 | 6.938% | $215,000 | 44.0% |
| CMG MORTGAGE, INC. | 14 | 6.808% | $295,000 | 0.0% |
| Waterstone Mortgage Corporation | 14 | 6.875% | $305,000 | 12.5% |
| Cornerstone National Bank & Trust Company | 14 | 6.420% | $315,000 | 11.8% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 14 | 6.750% | $255,000 | 0.0% |
| First Federal Savings Bank | 14 | Not published | $215,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.990% | $295,000 | 7.1% |
| First Mid Bank & Trust, National Association | 13 | 7.500% | $125,000 | 38.1% |
| North Shore Trust and Savings | 13 | Not published | $315,000 | 7.1% |
| JMAC LENDING, INC. | 13 | 6.990% | $265,000 | 0.0% |
| KIND LENDING, LLC | 13 | 7.125% | $235,000 | 18.8% |
| PULTE MORTGAGE LLC | 12 | 6.625% | $440,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | 6.933% | $305,000 | 7.7% |
| UNITED HOME LOANS, INC. | 11 | 6.500% | $325,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 6.875% | $225,000 | 0.0% |
| AMWEST FUNDING CORP. | 11 | 7.500% | $225,000 | 0.0% |
| Prairie Community Bank | 11 | Not published | $125,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 6.250% | $300,000 | 25.0% |
| Loan Funder LLC | 10 | 9.625% | $210,000 | 23.1% |
| USAA Federal Savings Bank | 10 | 6.250% | $380,000 | 9.1% |
| POINT MORTGAGE CORPORATION | 10 | 6.438% | $285,000 | 0.0% |
| DuPage Credit Union | 10 | 6.875% | $95,000 | 23.1% |
| Republic Bank of Chicago | 10 | Not published | $180,000 | 0.0% |
| Ameris Bank | 10 | 7.058% | $345,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 55.6% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 13.3% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SUCCESS LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Midland States Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| The Harvard State Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| American Airlines Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SELECT LENDING SERVICES LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 63.2% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 8.3% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HealthCare Associates Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Community Trust Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FLAT BRANCH MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of the Lakes, N.A. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 54.6% |
| NUMARK CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CORPORATE AMERICA FAMILY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Resource Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NORTHERN Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank | 3 | Under 10 loans | Under 10 loans | 69.2% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 66.7% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U S WIDE FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 220 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in McHenry County
78 FDIC-insured branches from 24 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Associated Bank, National Association, 10910 N Main St, Richmond
Get told when this changes
When the next year’s lending figures are out for McHenry County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.