Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for McHenry County, Illinois
Every institution that decided a 1–4 unit mortgage application in McHenry County, home to Crystal Lake, between 2023 and 2025: 24,952 applications, 20,058 loans actually funded, across 8 kinds of borrowing.
McHenry County at a glance
24,952Applications decided
2023–2025
20,058Loans funded
80% of decisions
64Census tracts
17 ZIP codes
311,366People
ACS 2023
What the data shows
Lenders approved 92.5% of home-purchase applications in McHenry County, 3.3 points above the Illinois rate.
The typical purchase mortgage here is $275K.
Lending by loan type in McHenry County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.5% | 13,118 | $275K | 98% | 397 |
| Home improvement loans | 64.7% | 3,537 | $75K | 92% | 120 |
| Cash-out refinance | 73.7% | 4,014 | $125K | 95% | 231 |
| Refinance | 80.0% | 3,027 | $255K | 94% | 227 |
| Investment property purchase | 88.1% | 835 | $195K | 96% | 175 |
| Investment cash-out refinance | 75.7% | 181 | $165K | 95% | 77 |
| Investment refinance | 83.9% | 155 | $135K | 98% | 53 |
| Investment home improvement | 48.2% | 85 | $105K | 93% | 32 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.