Mortgage Approval and Denial Rates in Illinois (2025 HMDA)
Mortgage denial rates in Illinois: lenders acted on 393,598 mortgage applications in Illinois in 2025 and denied 17.0% of them, down from 18.6% in 2024. The national denial rate was 17.7%.
Applications acted on
393,598
Loans originated
231,788
Denial rate
17.0%
Median loan
$185,000
Illinois against the national picture
Most-reported denial reason in Illinois: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Alexander County | 105 | 42.9% | $85,000 |
| Gallatin County | 102 | 31.4% | $105,000 |
| Crawford County | 317 | 27.1% | $95,000 |
| Jefferson County | 935 | 25.9% | $105,000 |
| Hamilton County | 136 | 25.7% | $115,000 |
| Edwards County | 101 | 25.7% | $85,000 |
| Pike County | 197 | 25.4% | $95,000 |
| Wayne County | 270 | 25.2% | $105,000 |
| Johnson County | 319 | 24.5% | $135,000 |
| White County | 305 | 24.3% | $105,000 |
| Hancock County | 342 | 23.7% | $85,000 |
| Lawrence County | 255 | 23.1% | $95,000 |
| Richland County | 183 | 23.0% | $105,000 |
| Morgan County | 709 | 22.6% | $85,000 |
| Henderson County | 117 | 22.2% | $95,000 |
| Edgar County | 420 | 21.9% | $75,000 |
| Clay County | 210 | 21.9% | $105,000 |
| Wabash County | 196 | 21.9% | $115,000 |
| Coles County | 1,033 | 21.5% | $95,000 |
| Massac County | 391 | 21.5% | $95,000 |
| Fayette County | 433 | 21.2% | $115,000 |
| Saline County | 545 | 21.1% | $95,000 |
| Clark County | 336 | 21.1% | $105,000 |
| Carroll County | 377 | 21.0% | $115,000 |
| Franklin County | 920 | 20.9% | $95,000 |
| Perry County | 322 | 20.8% | $95,000 |
| Mason County | 364 | 20.6% | $85,000 |
| Jackson County | 973 | 20.3% | $105,000 |
| Marion County | 973 | 19.8% | $105,000 |
| Greene County | 264 | 19.7% | $85,000 |
| Iroquois County | 621 | 19.5% | $115,000 |
| Effingham County | 742 | 19.4% | $145,000 |
| Bond County | 446 | 19.3% | $125,000 |
| Jasper County | 176 | 19.3% | $110,000 |
| Kankakee County | 3,545 | 18.8% | $135,000 |
| Washington County | 320 | 18.8% | $105,000 |
| Macoupin County | 1,427 | 18.7% | $105,000 |
| Cook County | 149,572 | 18.5% | $235,000 |
| St. Clair County | 9,846 | 18.5% | $145,000 |
| Boone County | 1,844 | 18.1% | $165,000 |
| Fulton County | 835 | 18.1% | $75,000 |
| Putnam County | 171 | 18.1% | $115,000 |
| Knox County | 1,280 | 18.0% | $75,000 |
| Montgomery County | 557 | 18.0% | $105,000 |
| Vermilion County | 1,739 | 17.9% | $95,000 |
| Pope County | 118 | 17.8% | $120,000 |
| Union County | 310 | 17.7% | $125,000 |
| Macon County | 3,074 | 17.5% | $105,000 |
| Warren County | 290 | 17.2% | $95,000 |
| Will County | 28,313 | 17.1% | $235,000 |
| Winnebago County | 9,884 | 17.1% | $125,000 |
| Moultrie County | 329 | 17.0% | $105,000 |
| Bureau County | 721 | 16.8% | $105,000 |
| Marshall County | 389 | 16.7% | $105,000 |
| Whiteside County | 1,282 | 16.6% | $105,000 |
| Cass County | 217 | 16.6% | $85,000 |
| Williamson County | 1,888 | 16.2% | $125,000 |
| Kendall County | 6,537 | 15.9% | $255,000 |
| LaSalle County | 3,019 | 15.9% | $135,000 |
| Christian County | 826 | 15.9% | $95,000 |
| Shelby County | 341 | 15.8% | $115,000 |
| Madison County | 10,117 | 15.6% | $125,000 |
| Stephenson County | 1,333 | 15.6% | $85,000 |
| Lake County | 24,890 | 15.5% | $235,000 |
| Kane County | 18,713 | 15.5% | $235,000 |
| Lee County | 754 | 15.5% | $125,000 |
| McDonough County | 516 | 15.5% | $85,000 |
| Ford County | 423 | 15.4% | $115,000 |
| Cumberland County | 162 | 15.4% | $125,000 |
| Schuyler County | 117 | 15.4% | $105,000 |
| Mercer County | 496 | 15.3% | $105,000 |
| Rock Island County | 4,476 | 15.2% | $105,000 |
| McHenry County | 13,455 | 15.1% | $215,000 |
| Livingston County | 1,078 | 15.0% | $105,000 |
| DuPage County | 29,764 | 14.7% | $255,000 |
| Tazewell County | 4,436 | 14.6% | $105,000 |
| DeKalb County | 3,414 | 14.6% | $195,000 |
| Jo Daviess County | 649 | 14.5% | $155,000 |
| Clinton County | 1,067 | 14.4% | $135,000 |
| Logan County | 880 | 14.3% | $95,000 |
| Peoria County | 5,482 | 14.2% | $105,000 |
| De Witt County | 408 | 14.2% | $105,000 |
| Grundy County | 1,932 | 14.1% | $195,000 |
| Woodford County | 1,275 | 14.1% | $125,000 |
| Douglas County | 485 | 13.6% | $115,000 |
| Adams County | 1,150 | 13.5% | $135,000 |
| Sangamon County | 6,562 | 13.2% | $125,000 |
| Stark County | 129 | 13.2% | $75,000 |
| Jersey County | 688 | 13.1% | $135,000 |
| McLean County | 5,050 | 13.0% | $155,000 |
| Ogle County | 1,495 | 13.0% | $145,000 |
| Monroe County | 1,275 | 12.8% | $205,000 |
| Randolph County | 610 | 12.8% | $115,000 |
| Champaign County | 4,749 | 12.6% | $165,000 |
| Henry County | 1,431 | 12.5% | $105,000 |
| Menard County | 389 | 11.3% | $125,000 |
| Piatt County | 551 | 10.9% | $155,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.