American Financial Network in Illinois vs the state
6.7%Denial rate-10.45 pts vs state
9.8%Decision denial rate-11.88 pts vs state
60.7%Origination rate+1.93 pts vs state
7.00%Median rate+0.25 pts vs state
0.93Rate spread (pts)+0.55 pts vs state
$88kMedian applicant income
182Loans originated
20Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 433 | 229 | 11.3% | 7.25% | #126 |
| 2024 | 509 | 286 | 11.0% | 7.00% | #117 |
| 2025 | 300 | 182 | 6.7% | 7.00% | #188 |
What American Financial Network lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 163 | 98 | 13 | 8.0% |
| Will County | 44 | 27 | 3 | 6.8% |
| Lake County | 17 | 8 | 0 | 0.0% |
| Kane County | 16 | 11 | 0 | 0.0% |
| DuPage County | 11 | 6 | 0 | 0.0% |
| Winnebago County | 10 | 6 | 0 | 0.0% |
| McHenry County | 8 | 8 | 0 | 0.0% |
| Boone County | 4 | 1 | 1 | 25.0% |
| Grundy County | 3 | 2 | 0 | 0.0% |
| DeKalb County | 3 | 1 | 1 | 33.3% |
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: 300 applications in 2025, of which 182 were originated and 20 denied.
6.7% of all applications, or 9.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Financial Network originated in Illinois in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are American Financial Network'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