Click n' Close in Illinois vs the state
9.4%Denial rate-7.77 pts vs state
14.5%Decision denial rate-7.19 pts vs state
51.9%Origination rate-6.87 pts vs state
6.88%Median rate+0.13 pts vs state
2.24Rate spread (pts)+1.86 pts vs state
$88kMedian applicant income
111Loans originated
20Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 179 | 120 | 4.5% | 7.50% | #241 |
| 2024 | 341 | 192 | 4.7% | 7.00% | #162 |
| 2025 | 214 | 111 | 9.4% | 6.88% | #239 |
What Click n' Close lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 132 | 56 | 13 | 9.8% |
| Will County | 24 | 13 | 2 | 8.3% |
| Kane County | 10 | 9 | 0 | 0.0% |
| Lake County | 9 | 4 | 2 | 22.2% |
| St. Clair County | 6 | 5 | 0 | 0.0% |
| Kankakee County | 5 | 3 | 0 | 0.0% |
| DuPage County | 5 | 3 | 2 | 40.0% |
| McHenry County | 4 | 4 | 0 | 0.0% |
| DeKalb County | 3 | 1 | 0 | 0.0% |
| Madison County | 2 | 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: 214 applications in 2025, of which 111 were originated and 20 denied.
9.4% of all applications, or 14.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Click n' Close originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Click n' Close'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