Banterra Bank in Illinois vs the state
14.2%Denial rate-2.97 pts vs state
21.0%Decision denial rate-0.67 pts vs state
39.5%Origination rate-19.23 pts vs state
6.63%Median rate-0.13 pts vs state
0.20Rate spread (pts)-0.18 pts vs state
$87kMedian applicant income
81Loans originated
29Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 222 | 97 | 29.3% | 7.11% | #205 |
| 2024 | 163 | 73 | 21.5% | 6.75% | #261 |
| 2025 | 205 | 81 | 14.2% | 6.63% | #244 |
What Banterra Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Banterra Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 55 | 23 | 9 | 16.4% |
| White County | 28 | 13 | 3 | 10.7% |
| Franklin County | 23 | 8 | 4 | 17.4% |
| Saline County | 19 | 8 | 3 | 15.8% |
| Jackson County | 15 | 7 | 1 | 6.7% |
| Johnson County | 12 | 3 | 2 | 16.7% |
| Massac County | 9 | 4 | 0 | 0.0% |
| Pope County | 7 | 1 | 2 | 28.6% |
| Perry County | 6 | 2 | 2 | 33.3% |
| Hardin County | 6 | 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: 205 applications in 2025, of which 81 were originated and 29 denied.
14.2% of all applications, or 21.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Banterra Bank originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Banterra 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