Bank of Pontiac in Illinois vs the state
2.5%Denial rate-14.66 pts vs state
2.7%Decision denial rate-18.95 pts vs state
84.2%Origination rate+25.47 pts vs state
—Median rate
—Rate spread (pts)
$99kMedian applicant income
240Loans originated
7Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 264 | 219 | 3.0% | 7.25% | #176 |
| 2024 | 251 | 199 | 5.6% | 7.48% | #201 |
| 2025 | 285 | 240 | 2.5% | — | #196 |
What Bank of Pontiac lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most Bank of Pontiac applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Livingston County | 161 | 138 | 5 | 3.1% |
| McLean County | 29 | 22 | 0 | 0.0% |
| Cook County | 25 | 25 | 0 | 0.0% |
| Will County | 12 | 8 | 1 | 8.3% |
| Grundy County | 8 | 7 | 0 | 0.0% |
| Woodford County | 6 | 3 | 0 | 0.0% |
| DuPage County | 6 | 6 | 0 | 0.0% |
| Tazewell County | 6 | 5 | 0 | 0.0% |
| Ford County | 5 | 3 | 1 | 20.0% |
| Kane County | 4 | 2 | 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: 285 applications in 2025, of which 240 were originated and 7 denied.
2.5% of all applications, or 2.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Pontiac'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