Central Bank Illinois in Illinois vs the state
2.7%Denial rate-14.39 pts vs state
3.1%Decision denial rate-18.63 pts vs state
86.9%Origination rate+28.15 pts vs state
—Median rate
—Rate spread (pts)
$83kMedian applicant income
318Loans originated
10Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 354 | 312 | 2.5% | 6.85% | #145 |
| 2024 | 342 | 285 | 3.8% | — | #161 |
| 2025 | 366 | 318 | 2.7% | — | #165 |
What Central Bank Illinois lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most Central Bank Illinois applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bureau County | 104 | 90 | 2 | 1.9% |
| Whiteside County | 60 | 55 | 2 | 3.3% |
| Ogle County | 57 | 54 | 1 | 1.8% |
| Henry County | 43 | 36 | 1 | 2.3% |
| Lee County | 20 | 16 | 0 | 0.0% |
| LaSalle County | 18 | 17 | 0 | 0.0% |
| Cook County | 13 | 10 | 1 | 7.7% |
| Winnebago County | 9 | 9 | 0 | 0.0% |
| Rock Island County | 8 | 6 | 1 | 12.5% |
| Carroll County | 6 | 5 | 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: 366 applications in 2025, of which 318 were originated and 10 denied.
2.7% of all applications, or 3.1% 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 Central Bank Illinois'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