American Heritage Lending in Illinois vs the state
7.8%Denial rate-9.28 pts vs state
11.8%Decision denial rate-9.88 pts vs state
42.5%Origination rate-16.20 pts vs state
7.50%Median rate+0.75 pts vs state
1.53Rate spread (pts)+1.15 pts vs state
$155kMedian applicant income
114Loans originated
21Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 70 | 11.5% | 10.18% | #262 |
| 2024 | 219 | 114 | 8.7% | 8.25% | #216 |
| 2025 | 268 | 114 | 7.8% | 7.50% | #209 |
What American Heritage Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 145 | 53 | 14 | 9.7% |
| Champaign County | 23 | 1 | 0 | 0.0% |
| Winnebago County | 17 | 14 | 1 | 5.9% |
| Lake County | 14 | 9 | 0 | 0.0% |
| Madison County | 13 | 10 | 1 | 7.7% |
| Kane County | 13 | 6 | 0 | 0.0% |
| Will County | 10 | 5 | 1 | 10.0% |
| DuPage County | 10 | 6 | 0 | 0.0% |
| St. Clair County | 5 | 1 | 0 | 0.0% |
| McHenry County | 3 | 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: 268 applications in 2025, of which 114 were originated and 21 denied.
7.8% of all applications, or 11.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Heritage Lending originated in Illinois in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are American Heritage Lending'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