21st Mortgage in Illinois vs the state
57.6%Denial rate+40.52 pts vs state
78.2%Decision denial rate+56.49 pts vs state
15.0%Origination rate-43.70 pts vs state
11.12%Median rate+4.37 pts vs state
5.80Rate spread (pts)+5.42 pts vs state
$61kMedian applicant income
256Loans originated
981Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,611 | 361 | 45.1% | 10.44% | #43 |
| 2024 | 1,661 | 332 | 50.8% | 11.18% | #47 |
| 2025 | 1,702 | 256 | 57.6% | 11.12% | #51 |
What 21st Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 298 | 33 | 199 | 66.8% |
| Sangamon County | 162 | 17 | 120 | 74.1% |
| Kankakee County | 111 | 47 | 43 | 38.7% |
| Lake County | 105 | 13 | 51 | 48.6% |
| McLean County | 93 | 12 | 56 | 60.2% |
| Tazewell County | 53 | 3 | 44 | 83.0% |
| Will County | 51 | 7 | 30 | 58.8% |
| Champaign County | 49 | 6 | 31 | 63.3% |
| Marion County | 48 | 10 | 17 | 35.4% |
| Woodford County | 45 | 7 | 36 | 80.0% |
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: 1,702 applications in 2025, of which 256 were originated and 981 denied.
57.6% of all applications, or 78.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans 21st Mortgage originated in Illinois in 2025 was 11.12%, against a statewide median of 6.75%.
About this data. Figures are 21st Mortgage'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