Citibank in Illinois vs the state
16.2%Denial rate-0.97 pts vs state
24.7%Decision denial rate+3.01 pts vs state
47.5%Origination rate-11.21 pts vs state
6.25%Median rate-0.50 pts vs state
-0.07Rate spread (pts)-0.45 pts vs state
$121kMedian applicant income
1,251Loans originated
425Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,546 | 915 | 7.8% | 5.88% | #47 |
| 2024 | 2,513 | 1,091 | 15.9% | 6.50% | #32 |
| 2025 | 2,632 | 1,251 | 16.2% | 6.25% | #35 |
What Citibank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,806 | 874 | 281 | 15.6% |
| DuPage County | 261 | 124 | 39 | 14.9% |
| Lake County | 212 | 115 | 27 | 12.7% |
| Will County | 119 | 51 | 29 | 24.4% |
| Kane County | 96 | 42 | 21 | 21.9% |
| McHenry County | 68 | 26 | 11 | 16.2% |
| Kendall County | 15 | 5 | 3 | 20.0% |
| Winnebago County | 8 | 1 | 3 | 37.5% |
| Madison County | 5 | 2 | 1 | 20.0% |
| Peoria County | 4 | 0 | 2 | 50.0% |
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: 2,632 applications in 2025, of which 1,251 were originated and 425 denied.
16.2% of all applications, or 24.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Citibank originated in Illinois in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Citibank'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