Better Banks in Illinois vs the state
1.8%Denial rate-15.34 pts vs state
1.9%Decision denial rate-19.80 pts vs state
84.6%Origination rate+25.88 pts vs state
—Median rate
—Rate spread (pts)
$103kMedian applicant income
143Loans originated
3Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 142 | 4.8% | — | #255 |
| 2024 | 170 | 149 | 4.1% | — | #251 |
| 2025 | 169 | 143 | 1.8% | — | #273 |
What Better Banks lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Better Banks applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Peoria County | 95 | 75 | 1 | 1.1% |
| Tazewell County | 48 | 45 | 1 | 2.1% |
| Woodford County | 7 | 7 | 0 | 0.0% |
| Fulton County | 7 | 5 | 0 | 0.0% |
| Stark County | 4 | 4 | 0 | 0.0% |
| Marshall County | 2 | 2 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Mason County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| McLean 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: 169 applications in 2025, of which 143 were originated and 3 denied.
1.8% of all applications, or 1.9% 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 Better Banks'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