General Mortgage Capital in Illinois vs the state
1.2%Denial rate-15.93 pts vs state
1.5%Decision denial rate-20.19 pts vs state
78.6%Origination rate+19.83 pts vs state
6.50%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.29 pts vs state
$180kMedian applicant income
66Loans originated
1Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 9 | 0.0% | 7.00% | #659 |
| 2024 | 72 | 54 | 2.8% | 6.81% | #394 |
| 2025 | 84 | 66 | 1.2% | 6.50% | #372 |
What General Mortgage Capital lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most General Mortgage Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 40 | 31 | 0 | 0.0% |
| Will County | 12 | 8 | 0 | 0.0% |
| DuPage County | 11 | 9 | 0 | 0.0% |
| Lake County | 8 | 6 | 1 | 12.5% |
| Winnebago County | 4 | 3 | 0 | 0.0% |
| Champaign County | 3 | 3 | 0 | 0.0% |
| Kendall County | 2 | 2 | 0 | 0.0% |
| Sangamon County | 1 | 1 | 0 | 0.0% |
| Rock Island County | 1 | 1 | 0 | 0.0% |
| Madison 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: 84 applications in 2025, of which 66 were originated and 1 denied.
1.2% of all applications, or 1.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans General Mortgage Capital originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are General Mortgage Capital'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