Champions Funding in Illinois vs the state
19.8%Denial rate+2.67 pts vs state
25.0%Decision denial rate+3.32 pts vs state
59.4%Origination rate+0.63 pts vs state
7.75%Median rate+1.00 pts vs state
2.37Rate spread (pts)+1.99 pts vs state
$121kMedian applicant income
225Loans originated
75Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 15 | 66.0% | 9.88% | #469 |
| 2024 | 118 | 56 | 20.3% | 9.00% | #309 |
| 2025 | 379 | 225 | 19.8% | 7.75% | #155 |
What Champions Funding lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 262 | 153 | 51 | 19.5% |
| Lake County | 27 | 19 | 4 | 14.8% |
| DuPage County | 19 | 9 | 5 | 26.3% |
| Will County | 17 | 11 | 4 | 23.5% |
| Kane County | 9 | 7 | 1 | 11.1% |
| Winnebago County | 7 | 3 | 4 | 57.1% |
| Kendall County | 6 | 4 | 1 | 16.7% |
| Kankakee County | 5 | 4 | 1 | 20.0% |
| McHenry County | 4 | 3 | 1 | 25.0% |
| St. Clair County | 3 | 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: 379 applications in 2025, of which 225 were originated and 75 denied.
19.8% of all applications, or 25.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Champions Funding originated in Illinois in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Champions Funding'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