A&D Mortgage in Illinois vs the state
8.0%Denial rate-9.15 pts vs state
10.4%Decision denial rate-11.28 pts vs state
67.4%Origination rate+8.66 pts vs state
6.63%Median rate-0.13 pts vs state
0.33Rate spread (pts)-0.05 pts vs state
$108kMedian applicant income
550Loans originated
65Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 30 | 16.7% | 8.93% | #375 |
| 2024 | 181 | 99 | 13.3% | 7.99% | #243 |
| 2025 | 816 | 550 | 8.0% | 6.63% | #92 |
What A&D Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 429 | 270 | 42 | 9.8% |
| Lake County | 100 | 71 | 7 | 7.0% |
| DuPage County | 86 | 66 | 5 | 5.8% |
| Will County | 65 | 51 | 1 | 1.5% |
| Kane County | 45 | 33 | 3 | 6.7% |
| McHenry County | 33 | 22 | 2 | 6.1% |
| Kendall County | 12 | 8 | 0 | 0.0% |
| Madison County | 12 | 6 | 2 | 16.7% |
| Winnebago County | 5 | 4 | 0 | 0.0% |
| Kankakee County | 4 | 3 | 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: 816 applications in 2025, of which 550 were originated and 65 denied.
8.0% of all applications, or 10.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans A&D Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are A&D 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