Citizens Bank in Illinois vs the state
29.8%Denial rate+12.69 pts vs state
34.6%Decision denial rate+12.91 pts vs state
54.6%Origination rate-4.17 pts vs state
7.40%Median rate+0.65 pts vs state
0.38Rate spread (pts)0.00 pts vs state
$134kMedian applicant income
454Loans originated
248Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,335 | 570 | 42.9% | 8.50% | #60 |
| 2024 | 824 | 422 | 29.7% | 8.40% | #82 |
| 2025 | 832 | 454 | 29.8% | 7.40% | #89 |
What Citizens Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 403 | 208 | 134 | 33.3% |
| DuPage County | 105 | 61 | 25 | 23.8% |
| Will County | 61 | 33 | 12 | 19.7% |
| Lake County | 48 | 33 | 10 | 20.8% |
| Kane County | 38 | 25 | 10 | 26.3% |
| McHenry County | 25 | 19 | 4 | 16.0% |
| Kendall County | 19 | 9 | 7 | 36.8% |
| Champaign County | 13 | 6 | 4 | 30.8% |
| Madison County | 11 | 4 | 5 | 45.5% |
| St. Clair County | 9 | 6 | 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: 832 applications in 2025, of which 454 were originated and 248 denied.
29.8% of all applications, or 34.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Citizens Bank originated in Illinois in 2025 was 7.40%, against a statewide median of 6.75%.
About this data. Figures are Citizens Bank'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