Figure Lending in Illinois vs the state
24.1%Denial rate+7.00 pts vs state
25.2%Decision denial rate+3.47 pts vs state
49.8%Origination rate-8.97 pts vs state
8.90%Median rate+2.15 pts vs state
2.57Rate spread (pts)+2.19 pts vs state
$112kMedian applicant income
1,432Loans originated
694Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,578 | 682 | 31.7% | 10.80% | #45 |
| 2024 | 2,356 | 1,112 | 26.1% | 10.50% | #34 |
| 2025 | 2,877 | 1,432 | 24.1% | 8.90% | #33 |
What Figure Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 938 | 439 | 245 | 26.1% |
| DuPage County | 249 | 124 | 54 | 21.7% |
| Will County | 228 | 116 | 54 | 23.7% |
| Kane County | 181 | 90 | 38 | 21.0% |
| Lake County | 169 | 80 | 41 | 24.3% |
| McHenry County | 129 | 71 | 25 | 19.4% |
| Winnebago County | 101 | 55 | 24 | 23.8% |
| Madison County | 73 | 40 | 14 | 19.2% |
| St. Clair County | 67 | 39 | 17 | 25.4% |
| Kendall County | 56 | 28 | 7 | 12.5% |
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: 2,877 applications in 2025, of which 1,432 were originated and 694 denied.
24.1% of all applications, or 25.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Figure Lending originated in Illinois in 2025 was 8.90%, against a statewide median of 6.75%.
About this data. Figures are Figure Lending'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