Emporium TPO in Illinois vs the state
8.9%Denial rate-8.20 pts vs state
9.3%Decision denial rate-12.41 pts vs state
71.3%Origination rate+12.60 pts vs state
7.50%Median rate+0.75 pts vs state
1.32Rate spread (pts)+0.94 pts vs state
$272kMedian applicant income
112Loans originated
14Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 84 | 58 | 9.5% | 7.50% | #362 |
| 2025 | 157 | 112 | 8.9% | 7.50% | #287 |
What Emporium TPO lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 92 | 67 | 8 | 8.7% |
| Kane County | 23 | 18 | 1 | 4.3% |
| Will County | 13 | 9 | 0 | 0.0% |
| DuPage County | 12 | 6 | 3 | 25.0% |
| Lake County | 8 | 5 | 1 | 12.5% |
| McHenry County | 5 | 4 | 0 | 0.0% |
| Kendall County | 2 | 2 | 0 | 0.0% |
| LaSalle County | 1 | 0 | 1 | 100.0% |
| Macon County | 1 | 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: 157 applications in 2025, of which 112 were originated and 14 denied.
8.9% of all applications, or 9.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Emporium TPO originated in Illinois in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Emporium TPO'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