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Kane County, Illinois · 2025

Mortgage lenders in Kane County, IL: denial rates and top lenders (2025)

460 lenders acted on 18,713 mortgage applications for properties in Kane County in 2025. 15.5% were denied (Illinois: 17.1%). Median rate on closed loans 6.75%; median loan $235,000; median property value $395,000.

19kApplications
15.5%Denial ratestate 17.1%
6.75%Median ratestate 6.75%
$235,000Median loan
$395,000Median property value

Largest lenders in Kane County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guaranteed Rate B 818541 5.8%6.75%
2 United Shore Financial Services B 804606 11.6%6.50%
3 Rocket Mortgage C 727556 14.7%6.88%
4 BMO Bank F 644291 34.3%8.58%
5 JPMorgan Chase Bank B 641447 7.6%6.49%
6 Fifth Third Bank D 618316 32.4%7.56%
7 Guild Mortgage A 500374 4.0%6.75%
8 Consumers Cooperative Credit Union A 472371 8.5%7.50%
9 Crosscountry Mortgage B 449300 6.5%6.88%
10 U.S. Bank D 434201 38.0%7.75%
11 GREENSTATE Credit Union B 413327 2.9%6.88%
12 PNC Bank D 407210 28.0%7.24%
13 Dhi Mortgage Company B 401304 11.5%5.88%
14 Old Second National Bank B 390304 8.0%7.25%
15 Loandepot.Com D 373245 14.8%6.88%
16 Fairway Independent Mortgage B 369270 5.7%6.88%
17 First American Bank C 332238 19.0%6.88%
18 The Huntington National Bank D 326188 29.8%7.19%
19 Bank of America F 306135 35.3%5.99%
20 Newrez D 305100 24.9%6.93%
21 Coastal Community Bank C 28172 2.1%11.12%
22 First National Bank of Omaha C 264175 22.7%6.63%
23 Pennymac Loan Services C 263137 14.1%6.62%
24 Freedom Mortgage B 21181 8.1%6.25%
25 Barrington Bank & Trust Company C 202141 5.5%6.88%

Best approval odds in Kane County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Key Mortgage Services1620.6%
2Mld Mortgage1140.9%
3Compass Mortgage1361.5%
4Coastal Community Bank2142.8%
5The Loan Store953.2%
6Towne Mortgage623.2%
7Kiavi Funding613.3%
8Lower1203.3%
9GREENSTATE Credit Union3483.5%
10Pulte Mortgage793.8%

What Kane County borrowers applied for

By loan purpose

Home purchase 8,039 43% · 6.8% denied
Refinance 2,953 16% · 13.2% denied
Cash-out refinance 2,987 16% · 20.3% denied
Home improvement 1,974 11% · 30.8% denied
Other / HELOC 2,760 15% · 27.5% denied

By loan type

Conventional 15,929 85% · 15.3% denied
FHA 2,112 11% · 18.2% denied
VA 670 4% · 11.8% denied
USDA / RHS 2 0% · 50.0% denied

Why applications were denied

Debt-to-income ratio 1,108 38%
Credit history 666 23%
Incomplete application 441 15%
Collateral 312 11%
Other 186 6%
Unverifiable information 102 4%
Insufficient cash 51 2%
Employment history 26 1%

Kane County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202315,0069,15216.7%7.00%$205,000
202417,10410,45717.7%6.99%$225,000
202518,71311,76315.5%6.75%$235,000

Frequently asked questions

15.5% of applications in Kane County were denied in 2025, against 17.1% statewide in Illinois.

Guaranteed Rate, with 818 applications in 2025 and a denial rate of 5.8%.

The median mortgage application in Kane County in 2025 was for $235,000; the median property value on originated loans was $395,000.