American Financial Resources in Illinois vs the state
9.5%Denial rate-7.65 pts vs state
12.6%Decision denial rate-9.05 pts vs state
65.0%Origination rate+6.26 pts vs state
6.75%Median rate0.00 pts vs state
0.57Rate spread (pts)+0.19 pts vs state
$100kMedian applicant income
247Loans originated
36Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 37 | 16.0% | 7.25% | #383 |
| 2024 | 133 | 92 | 11.3% | 6.88% | #289 |
| 2025 | 380 | 247 | 9.5% | 6.75% | #154 |
What American Financial Resources lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 210 | 120 | 24 | 11.4% |
| Will County | 25 | 17 | 1 | 4.0% |
| DuPage County | 23 | 18 | 1 | 4.3% |
| Kane County | 19 | 16 | 0 | 0.0% |
| Lake County | 18 | 10 | 5 | 27.8% |
| McHenry County | 13 | 9 | 1 | 7.7% |
| Kendall County | 9 | 7 | 0 | 0.0% |
| Rock Island County | 7 | 6 | 1 | 14.3% |
| St. Clair County | 7 | 5 | 0 | 0.0% |
| Kankakee County | 7 | 4 | 1 | 14.3% |
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: 380 applications in 2025, of which 247 were originated and 36 denied.
9.5% of all applications, or 12.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Financial Resources originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are American Financial Resources'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