Bpl Mortgage Trust in Illinois vs the state
16.0%Denial rate-1.10 pts vs state
16.8%Decision denial rate-4.88 pts vs state
69.6%Origination rate+10.84 pts vs state
7.88%Median rate+1.13 pts vs state
—Rate spread (pts)
—Median applicant income
469Loans originated
108Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 550 | 370 | 4.6% | 8.50% | #102 |
| 2024 | 539 | 378 | 14.1% | 8.00% | #112 |
| 2025 | 674 | 469 | 16.0% | 7.88% | #107 |
What Bpl Mortgage Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 377 | 249 | 70 | 18.6% |
| Winnebago County | 124 | 96 | 16 | 12.9% |
| St. Clair County | 39 | 30 | 3 | 7.7% |
| Lake County | 20 | 16 | 1 | 5.0% |
| Will County | 18 | 11 | 2 | 11.1% |
| DuPage County | 15 | 11 | 2 | 13.3% |
| Kane County | 15 | 9 | 4 | 26.7% |
| Peoria County | 14 | 8 | 1 | 7.1% |
| Rock Island County | 11 | 9 | 2 | 18.2% |
| Kankakee County | 8 | 6 | 2 | 25.0% |
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: 674 applications in 2025, of which 469 were originated and 108 denied.
16.0% of all applications, or 16.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Bpl Mortgage Trust originated in Illinois in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are Bpl Mortgage Trust'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