Flat Branch Mortgage in Illinois vs the state
1.6%Denial rate-15.54 pts vs state
1.8%Decision denial rate-19.85 pts vs state
84.2%Origination rate+25.46 pts vs state
6.63%Median rate-0.13 pts vs state
0.48Rate spread (pts)+0.10 pts vs state
$76kMedian applicant income
1,758Loans originated
33Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,542 | 2,100 | 2.5% | 6.75% | #28 |
| 2024 | 1,945 | 1,632 | 2.4% | 6.75% | #37 |
| 2025 | 2,088 | 1,758 | 1.6% | 6.63% | #42 |
What Flat Branch Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Peoria County | 424 | 352 | 5 | 1.2% |
| Tazewell County | 272 | 233 | 3 | 1.1% |
| Champaign County | 178 | 158 | 2 | 1.1% |
| Madison County | 147 | 122 | 1 | 0.7% |
| Fulton County | 78 | 71 | 1 | 1.3% |
| Sangamon County | 75 | 68 | 1 | 1.3% |
| Macon County | 72 | 60 | 1 | 1.4% |
| Adams County | 65 | 54 | 2 | 3.1% |
| Woodford County | 59 | 51 | 1 | 1.7% |
| Vermilion County | 51 | 46 | 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: 2,088 applications in 2025, of which 1,758 were originated and 33 denied.
1.6% of all applications, or 1.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Flat Branch Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Flat Branch Mortgage'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