American Portfolio Mortgage in Illinois vs the state
8.7%Denial rate-8.46 pts vs state
10.5%Decision denial rate-11.21 pts vs state
74.0%Origination rate+15.29 pts vs state
6.63%Median rate-0.13 pts vs state
0.63Rate spread (pts)+0.25 pts vs state
$86kMedian applicant income
171Loans originated
20Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 607 | 468 | 3.6% | 6.75% | #94 |
| 2024 | 490 | 356 | 8.2% | 7.00% | #122 |
| 2025 | 231 | 171 | 8.7% | 6.63% | #229 |
What American Portfolio Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most American Portfolio Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 144 | 102 | 17 | 11.8% |
| Will County | 38 | 30 | 2 | 5.3% |
| Kane County | 10 | 8 | 0 | 0.0% |
| DuPage County | 9 | 7 | 0 | 0.0% |
| Jefferson County | 8 | 7 | 0 | 0.0% |
| McHenry County | 5 | 4 | 0 | 0.0% |
| Lake County | 4 | 3 | 1 | 25.0% |
| Kendall County | 4 | 4 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Sangamon County | 1 | 0 | 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: 231 applications in 2025, of which 171 were originated and 20 denied.
8.7% of all applications, or 10.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans American Portfolio Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are American Portfolio 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