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refinance lenders · HMDA 2023–2025

Refinance lenders in McHenry County, Illinois

Fat Boy Data analyzed mortgage refinance activity in McHenry County, Illinois, home to Crystal Lake, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,027 applications were decided by 227 lenders between 2023 and 2025.

McHenry County at a glance

227Active lenders35 with 20+ decisions
80.0%Market approval rate2,420 of 3,027 decided
$255KTypical loanmedian lender, $10K brackets
94%Borrower take-up2,284 loans funded

How McHenry County compares

Approval rate compared
McHenry County80.0%Illinois78.8%All 616 counties76.5%
Typical loan compared
McHenry County$255KIllinois$285KAll 616 counties$295K

What the data shows

Fifth Third Bank, National Association made the most mortgage refinances in McHenry County, IL, 126 of them.

Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 54.

The typical mortgage refinance here is $255K, 11% smaller than the Illinois typical of $285K.

Approval rate of all 35 lenders with 20+ decisions here
0%25%50%75%100%One lender: 40% approved of 96One lender: 47% approved of 30One lender: 53% approved of 85One lender: 56% approved of 59One lender: 58% approved of 50One lender: 62% approved of 78One lender: 62% approved of 26One lender: 63% approved of 43One lender: 66% approved of 29Fifth Third Bank, National Association: 67% approved of 197One lender: 68% approved of 53One lender: 73% approved of 26One lender: 73% approved of 64One lender: 76% approved of 21One lender: 77% approved of 104One lender: 78% approved of 23Advia Credit Union: 79% approved of 124Rocket Mortgage, LLC: 84% approved of 148First National Bank of Omaha: 85% approved of 117One lender: 85% approved of 20One lender: 90% approved of 51United Wholesale Mortgage, LLC: 90% approved of 228One lender: 91% approved of 35One lender: 92% approved of 25One lender: 93% approved of 67One lender: 93% approved of 30One lender: 94% approved of 32One lender: 94% approved of 33One lender: 94% approved of 84One lender: 95% approved of 41One lender: 97% approved of 92One lender: 99% approved of 79One lender: 100% approved of 54One lender: 100% approved of 34One lender: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in McHenry County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only90%206 / 22898%$325K202
2Fifth Third Bank, National Association67%132 / 19795%$105K126
3Rocket Mortgage, LLC84%124 / 14894%$275K116
4Advia Credit Union79%98 / 12499%$105K97
5First National Bank of Omaha85%99 / 11795%$65K94

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 222 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in McHenry County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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