Florida Capital Bank in Illinois vs the state
11.1%Denial rate-6.01 pts vs state
12.5%Decision denial rate-9.18 pts vs state
60.0%Origination rate+1.26 pts vs state
6.63%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.03 pts vs state
$137kMedian applicant income
27Loans originated
5Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 24 | 10.3% | 7.00% | #537 |
| 2024 | 41 | 36 | 7.3% | 6.63% | #479 |
| 2025 | 45 | 27 | 11.1% | 6.63% | #476 |
What Florida Capital Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 21 | 12 | 2 | 9.5% |
| DuPage County | 9 | 6 | 2 | 22.2% |
| Kane County | 3 | 3 | 0 | 0.0% |
| Lake County | 3 | 1 | 0 | 0.0% |
| Will County | 3 | 2 | 0 | 0.0% |
| McHenry County | 2 | 2 | 0 | 0.0% |
| Kendall County | 2 | 0 | 0 | 0.0% |
| Ford County | 1 | 0 | 1 | 100.0% |
| Grundy 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: 45 applications in 2025, of which 27 were originated and 5 denied.
11.1% of all applications, or 12.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Florida Capital Bank originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Florida Capital Bank'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