1NB Bank in Illinois vs the state
11.1%Denial rate-6.01 pts vs state
11.1%Decision denial rate-10.57 pts vs state
86.1%Origination rate+27.37 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
31Loans originated
4Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 28 | 6.5% | — | #529 |
| 2024 | 31 | 23 | 19.4% | — | #519 |
| 2025 | 36 | 31 | 11.1% | — | #507 |
What 1NB Bank lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most 1NB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clinton County | 26 | 22 | 3 | 11.5% |
| St. Clair County | 3 | 3 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Bond County | 2 | 1 | 1 | 50.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 36 applications in 2025, of which 31 were originated and 4 denied.
11.1% of all applications, or 11.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are 1NB Bank's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology