American Pacific Mortgage in Illinois vs the state
6.9%Denial rate-10.26 pts vs state
8.4%Decision denial rate-13.30 pts vs state
74.9%Origination rate+16.11 pts vs state
6.75%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.15 pts vs state
$109kMedian applicant income
2,402Loans originated
220Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,908 | 2,076 | 5.9% | 6.88% | #25 |
| 2024 | 2,965 | 2,215 | 6.9% | 6.99% | #30 |
| 2025 | 3,209 | 2,402 | 6.9% | 6.75% | #28 |
What American Pacific Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,196 | 844 | 100 | 8.4% |
| Will County | 424 | 342 | 12 | 2.8% |
| DuPage County | 328 | 262 | 17 | 5.2% |
| Lake County | 306 | 226 | 15 | 4.9% |
| Kane County | 188 | 153 | 8 | 4.3% |
| Madison County | 173 | 144 | 8 | 4.6% |
| McHenry County | 102 | 78 | 5 | 4.9% |
| Kendall County | 92 | 72 | 4 | 4.3% |
| St. Clair County | 57 | 37 | 6 | 10.5% |
| Grundy County | 47 | 37 | 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: 3,209 applications in 2025, of which 2,402 were originated and 220 denied.
6.9% of all applications, or 8.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Pacific Mortgage originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are American Pacific 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