Associated Bank in Illinois vs the state
28.7%Denial rate+11.55 pts vs state
31.5%Decision denial rate+9.86 pts vs state
60.3%Origination rate+1.56 pts vs state
6.88%Median rate+0.13 pts vs state
0.10Rate spread (pts)-0.29 pts vs state
$96kMedian applicant income
1,060Loans originated
504Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,936 | 1,073 | 34.4% | 7.13% | #36 |
| 2024 | 1,805 | 1,010 | 33.4% | 7.25% | #42 |
| 2025 | 1,758 | 1,060 | 28.7% | 6.88% | #48 |
What Associated Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Associated Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 672 | 408 | 180 | 26.8% |
| Winnebago County | 249 | 156 | 69 | 27.7% |
| Lake County | 157 | 84 | 55 | 35.0% |
| St. Clair County | 110 | 63 | 33 | 30.0% |
| Madison County | 105 | 65 | 26 | 24.8% |
| Kane County | 105 | 53 | 49 | 46.7% |
| DuPage County | 89 | 60 | 22 | 24.7% |
| McHenry County | 65 | 48 | 12 | 18.5% |
| Macoupin County | 56 | 31 | 20 | 35.7% |
| Will County | 34 | 18 | 10 | 29.4% |
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: 1,758 applications in 2025, of which 1,060 were originated and 504 denied.
28.7% of all applications, or 31.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Associated Bank originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Associated 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