Geneva Financial in Illinois vs the state
3.3%Denial rate-13.83 pts vs state
4.4%Decision denial rate-17.24 pts vs state
70.7%Origination rate+11.98 pts vs state
7.00%Median rate+0.25 pts vs state
0.92Rate spread (pts)+0.53 pts vs state
$89kMedian applicant income
215Loans originated
10Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 460 | 300 | 2.4% | 6.88% | #121 |
| 2024 | 394 | 241 | 5.1% | 7.13% | #142 |
| 2025 | 304 | 215 | 3.3% | 7.00% | #186 |
What Geneva Financial lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 138 | 83 | 5 | 3.6% |
| Kane County | 21 | 16 | 2 | 9.5% |
| Will County | 21 | 16 | 0 | 0.0% |
| Kankakee County | 20 | 18 | 0 | 0.0% |
| DuPage County | 16 | 11 | 0 | 0.0% |
| Lake County | 13 | 8 | 0 | 0.0% |
| Kendall County | 13 | 13 | 0 | 0.0% |
| St. Clair County | 8 | 7 | 0 | 0.0% |
| Madison County | 7 | 6 | 0 | 0.0% |
| McHenry County | 7 | 3 | 2 | 28.6% |
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: 304 applications in 2025, of which 215 were originated and 10 denied.
3.3% of all applications, or 4.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Geneva Financial originated in Illinois in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Geneva Financial'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