Consumer Real Estate Finance in Illinois vs the state
22.5%Denial rate+5.39 pts vs state
25.3%Decision denial rate+3.62 pts vs state
66.5%Origination rate+7.71 pts vs state
6.88%Median rate+0.13 pts vs state
0.69Rate spread (pts)+0.31 pts vs state
$87kMedian applicant income
313Loans originated
106Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 55 | 23.0% | 6.63% | #297 |
| 2024 | 191 | 93 | 25.7% | 6.88% | #231 |
| 2025 | 471 | 313 | 22.5% | 6.88% | #136 |
What Consumer Real Estate Finance lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 163 | 119 | 31 | 19.0% |
| DuPage County | 34 | 27 | 7 | 20.6% |
| Will County | 33 | 21 | 5 | 15.2% |
| McHenry County | 33 | 21 | 8 | 24.2% |
| Kane County | 27 | 20 | 4 | 14.8% |
| Lake County | 20 | 13 | 4 | 20.0% |
| Winnebago County | 8 | 5 | 3 | 37.5% |
| LaSalle County | 8 | 7 | 1 | 12.5% |
| Macon County | 8 | 4 | 3 | 37.5% |
| Vermilion County | 8 | 5 | 2 | 25.0% |
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: 471 applications in 2025, of which 313 were originated and 106 denied.
22.5% of all applications, or 25.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Consumer Real Estate Finance originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Consumer Real Estate Finance'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