Ameris Bank in Illinois vs the state
5.9%Denial rate-11.24 pts vs state
6.5%Decision denial rate-15.14 pts vs state
82.4%Origination rate+23.61 pts vs state
6.50%Median rate-0.25 pts vs state
0.27Rate spread (pts)-0.11 pts vs state
$138kMedian applicant income
140Loans originated
10Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 129 | 3.5% | 6.99% | #249 |
| 2024 | 157 | 124 | 3.8% | 6.63% | #266 |
| 2025 | 170 | 140 | 5.9% | 6.50% | #270 |
What Ameris Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 73 | 61 | 4 | 5.5% |
| Will County | 33 | 27 | 2 | 6.1% |
| Lake County | 20 | 18 | 1 | 5.0% |
| DuPage County | 13 | 11 | 0 | 0.0% |
| Kane County | 11 | 9 | 0 | 0.0% |
| McHenry County | 11 | 10 | 0 | 0.0% |
| Winnebago County | 2 | 0 | 0 | 0.0% |
| Grundy County | 1 | 1 | 0 | 0.0% |
| Menard County | 1 | 0 | 1 | 100.0% |
| Vermilion County | 1 | 0 | 1 | 100.0% |
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: 170 applications in 2025, of which 140 were originated and 10 denied.
5.9% of all applications, or 6.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Ameris Bank originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Ameris Bank'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