Community Banc Mortgage in Illinois vs the state
8.8%Denial rate-8.29 pts vs state
11.8%Decision denial rate-9.89 pts vs state
65.8%Origination rate+7.07 pts vs state
6.50%Median rate-0.25 pts vs state
0.32Rate spread (pts)-0.06 pts vs state
$70kMedian applicant income
231Loans originated
31Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 382 | 255 | 14.7% | 6.75% | #136 |
| 2024 | 380 | 263 | 11.6% | 6.50% | #148 |
| 2025 | 351 | 231 | 8.8% | 6.50% | #174 |
What Community Banc Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Community Banc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bureau County | 40 | 26 | 3 | 7.5% |
| Henry County | 26 | 20 | 3 | 11.5% |
| Wabash County | 23 | 9 | 3 | 13.0% |
| Franklin County | 19 | 11 | 3 | 15.8% |
| Randolph County | 18 | 11 | 1 | 5.6% |
| Clay County | 18 | 13 | 1 | 5.6% |
| Knox County | 17 | 13 | 3 | 17.6% |
| Jackson County | 15 | 10 | 1 | 6.7% |
| Coles County | 12 | 8 | 2 | 16.7% |
| Ogle County | 12 | 8 | 1 | 8.3% |
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: 351 applications in 2025, of which 231 were originated and 31 denied.
8.8% of all applications, or 11.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Community Banc Mortgage originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Community Banc Mortgage'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