Constructive Loans in Illinois vs the state
6.5%Denial rate-10.67 pts vs state
6.5%Decision denial rate-15.23 pts vs state
87.1%Origination rate+28.36 pts vs state
7.75%Median rate+1.00 pts vs state
—Rate spread (pts)
—Median applicant income
27Loans originated
2Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 13 | 0.0% | 8.38% | #600 |
| 2024 | 37 | 34 | 0.0% | 8.00% | #491 |
| 2025 | 31 | 27 | 6.5% | 7.75% | #536 |
What Constructive Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 18 | 16 | 1 | 5.6% |
| Peoria County | 5 | 4 | 0 | 0.0% |
| St. Clair County | 3 | 3 | 0 | 0.0% |
| DuPage County | 1 | 1 | 0 | 0.0% |
| LaSalle County | 1 | 1 | 0 | 0.0% |
| Macon County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Will County | 1 | 0 | 1 | 100.0% |
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: 31 applications in 2025, of which 27 were originated and 2 denied.
6.5% of all applications, or 6.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Constructive Loans originated in Illinois in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Constructive Loans'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