Arc Home in Illinois vs the state
15.8%Denial rate-1.33 pts vs state
19.6%Decision denial rate-2.11 pts vs state
63.2%Origination rate+4.42 pts vs state
7.50%Median rate+0.75 pts vs state
1.26Rate spread (pts)+0.88 pts vs state
$182kMedian applicant income
36Loans originated
9Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 37 | 21.7% | 7.88% | #364 |
| 2024 | 53 | 24 | 24.5% | 7.63% | #440 |
| 2025 | 57 | 36 | 15.8% | 7.50% | #437 |
What Arc Home lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 36 | 21 | 5 | 13.9% |
| Will County | 6 | 4 | 0 | 0.0% |
| Lake County | 4 | 2 | 2 | 50.0% |
| Jo Daviess County | 3 | 3 | 0 | 0.0% |
| DuPage County | 3 | 3 | 0 | 0.0% |
| McHenry County | 2 | 1 | 1 | 50.0% |
| Kendall County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 1 | 100.0% |
| McLean County | 1 | 1 | 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: 57 applications in 2025, of which 36 were originated and 9 denied.
15.8% of all applications, or 19.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Arc Home originated in Illinois in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Arc Home'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