Home purchase lenders in McHenry County
4,139 home purchase mortgages were made in McHenry County, Illinois, in 2025, by 320 lenders. The median rate their borrowers got was 6.625% on a median loan of $295,000. Of 4,610 decisions, 369 were denials — 8.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 296 | 6.625% | $295,000 | 6.9% |
| LENNAR MORTGAGE, LLC | 284 | 5.625% | $345,000 | 9.3% |
| Fairway Independent Mortgage Corporation | 244 | 6.875% | $275,000 | 3.5% |
| GUARANTEED RATE, INC. | 223 | 6.600% | $285,000 | 2.6% |
| DHI MORTGAGE COMPANY, LTD. | 149 | 5.875% | $295,000 | 13.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 147 | 6.875% | $305,000 | 5.2% |
| Rocket Mortgage, LLC | 125 | 6.750% | $295,000 | 8.0% |
| GREENSTATE Credit Union | 123 | 6.625% | $215,000 | 5.6% |
| JPMorgan Chase Bank, National Association | 113 | 6.490% | $305,000 | 12.2% |
| Barrington Bank & Trust Company, National Association | 106 | 6.750% | $300,000 | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 90 | 6.688% | $275,000 | 1.1% |
| Home State Bank, National Association | 89 | 6.445% | $265,000 | 1.1% |
| UNION HOME MORTGAGE CORP. | 78 | 6.933% | $340,000 | 6.0% |
| Broker Solutions, Inc. | 75 | 6.750% | $275,000 | 1.3% |
| M/I FINANCIAL, LLC | 71 | 5.875% | $405,000 | 1.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 62 | 6.875% | $285,000 | 3.1% |
| Prosperity Home Mortgage, LLC | 57 | 6.875% | $265,000 | 3.4% |
| GUILD MORTGAGE COMPANY | 56 | 6.750% | $305,000 | 10.5% |
| Mortgage Research Center, LLC | 56 | 6.250% | $340,000 | 3.5% |
| Loandepot.Com, LLC | 52 | 6.750% | $305,000 | 3.6% |
| TOWNE MORTGAGE COMPANY | 50 | 6.625% | $295,000 | 3.5% |
| MLD MORTGAGE INC. | 48 | 6.875% | $280,000 | 2.0% |
| Baxter Credit Union | 45 | 6.500% | $305,000 | 6.6% |
| THE LOAN STORE, INC. | 44 | 6.625% | $265,000 | 8.2% |
| U.S. Bank National Association | 40 | 6.490% | $265,000 | 24.1% |
| Fifth Third Bank, National Association | 39 | 6.625% | $345,000 | 20.0% |
| LOWER, LLC | 35 | 6.750% | $355,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 33 | 6.875% | $315,000 | 2.9% |
| OriginPoint, LLC | 32 | 6.688% | $275,000 | 3.0% |
| PLAZA HOME MORTGAGE, INC. | 31 | 6.625% | $295,000 | 8.8% |
| COMPASS MORTGAGE, INC. | 31 | 6.750% | $305,000 | 0.0% |
| BMO Bank National Association | 28 | 7.063% | $255,000 | 24.3% |
| Bank of America, National Association | 27 | 6.375% | $285,000 | 37.2% |
| NEWREZ LLC | 27 | 6.875% | $325,000 | 3.6% |
| The Huntington National Bank | 26 | 6.563% | $265,000 | 13.3% |
| BAY EQUITY LLC | 25 | 6.625% | $275,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.625% | $315,000 | 10.3% |
| Synergy One Lending, Inc. | 23 | 6.875% | $285,000 | 0.0% |
| CIBM Bank | 22 | 6.500% | $260,000 | 4.4% |
| CONSUMERS COOPERATIVE CREDIT UNION | 22 | 6.375% | $320,000 | 4.2% |
| 254900O723MCLR701H50 | 21 | 0.000% | $5,000 | 60.4% |
| ZILLOW HOME LOANS, LLC | 21 | 6.625% | $315,000 | 8.7% |
| A&D Mortgage LLC | 20 | 6.688% | $295,000 | 9.1% |
| First National Bank of Omaha | 19 | 6.750% | $215,000 | 20.0% |
| Cornerstone First Mortgage, Inc | 19 | 6.750% | $235,000 | 9.5% |
| Navy Federal Credit Union | 18 | 6.125% | $365,000 | 9.5% |
| CONSUMER REAL ESTATE FINANCE CO. | 17 | 6.500% | $265,000 | 19.1% |
| Citibank, National Association | 16 | 6.125% | $290,000 | 15.8% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.562% | $325,000 | 23.8% |
| RESICENTRAL, LLC | 16 | 6.558% | $305,000 | 5.9% |
| A & N MORTGAGE SERVICES, INC. | 16 | 6.438% | $370,000 | 0.0% |
| The Federal Savings Bank | 15 | 6.875% | $275,000 | 6.3% |
| Old National Bank | 15 | 6.375% | $285,000 | 6.3% |
| Nations Lending Corporation | 15 | 6.875% | $285,000 | 0.0% |
| PNC Bank, National Association | 14 | 6.625% | $300,000 | 17.7% |
| First American Bank | 14 | 6.563% | $220,000 | 12.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.875% | $305,000 | 7.1% |
| MORTGAGE CENTER L.C | 13 | 6.625% | $285,000 | 0.0% |
| ALLIANT CREDIT UNION | 12 | 6.125% | $285,000 | 7.7% |
| PULTE MORTGAGE LLC | 12 | 6.625% | $440,000 | 0.0% |
| Old Second National Bank | 12 | 6.313% | $335,000 | 0.0% |
| Associated Bank, National Association | 12 | 6.500% | $375,000 | 7.1% |
| LEADERONE FINANCIAL CORPORATION | 12 | 6.875% | $225,000 | 0.0% |
| JMAC LENDING, INC. | 12 | 6.990% | $265,000 | 0.0% |
| Waterstone Mortgage Corporation | 12 | 6.875% | $305,000 | 7.7% |
| FIRST STATE MORTGAGE SERVICES, LLC | 12 | 6.813% | $290,000 | 0.0% |
| POLISH & SLAVIC | 11 | Not published | $245,000 | 29.4% |
| Wells Fargo Bank, National Association | 11 | 6.250% | $255,000 | 21.4% |
| Paramount Residential Mortgage Group, Inc. | 11 | 7.000% | $295,000 | 8.3% |
| CMG MORTGAGE, INC. | 11 | 6.990% | $295,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.750% | $275,000 | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 11 | 6.875% | $255,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 10 | 6.990% | $285,000 | 9.1% |
| North Shore Trust and Savings | 10 | Not published | $305,000 | 0.0% |
| POINT MORTGAGE CORPORATION | 10 | 6.438% | $285,000 | 0.0% |
| KIND LENDING, LLC | 10 | 6.938% | $295,000 | 16.7% |
| Republic Bank of Chicago | 10 | Not published | $180,000 | 0.0% |
| UNITED HOME LOANS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sauk Valley Bank & Trust Company | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Cornerstone National Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 10.0% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Crystal Lake Bank & Trust Company, N.A. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 18.2% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Mid Bank & Trust, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of the Lakes, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Community Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Harvard State Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NUMARK CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Resource Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROWN MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prairie Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 62.5% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stillman BancCorp N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900B0P7ZWM2SQVJ36 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Byron Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Liberty Bank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORPORATE AMERICA FAMILY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DuPage Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROPER RATE, LLC | 1 | 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 120 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.