Digital in Illinois vs the state
16.4%Denial rate-0.69 pts vs state
29.9%Decision denial rate+8.19 pts vs state
37.1%Origination rate-21.60 pts vs state
7.75%Median rate+1.00 pts vs state
0.62Rate spread (pts)+0.23 pts vs state
$156kMedian applicant income
52Loans originated
23Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 294 | 88 | 16.3% | 6.00% | #168 |
| 2024 | 204 | 53 | 14.7% | 7.75% | #224 |
| 2025 | 140 | 52 | 16.4% | 7.75% | #303 |
What Digital lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 41 | 12 | 11 | 26.8% |
| Will County | 22 | 8 | 0 | 0.0% |
| Lake County | 21 | 6 | 4 | 19.0% |
| DuPage County | 19 | 11 | 3 | 15.8% |
| McLean County | 9 | 2 | 1 | 11.1% |
| Kane County | 7 | 3 | 0 | 0.0% |
| McHenry County | 6 | 4 | 2 | 33.3% |
| Kendall County | 4 | 2 | 0 | 0.0% |
| Peoria County | 4 | 0 | 1 | 25.0% |
| Champaign County | 2 | 1 | 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: 140 applications in 2025, of which 52 were originated and 23 denied.
16.4% of all applications, or 29.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Digital originated in Illinois in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Digital'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