Academy Bank in Illinois vs the state
25.0%Denial rate+7.88 pts vs state
40.0%Decision denial rate+18.32 pts vs state
37.5%Origination rate-21.24 pts vs state
5.88%Median rate-0.88 pts vs state
-0.01Rate spread (pts)-0.39 pts vs state
$334kMedian applicant income
3Loans originated
2Denied
What Academy Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Academy Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 7 | 2 | 2 | 28.6% |
| Adams 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: 8 applications in 2025, of which 3 were originated and 2 denied.
25.0% of all applications, or 40.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Academy Bank originated in Illinois in 2025 was 5.88%, against a statewide median of 6.75%.
About this data. Figures are Academy 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