German-American State Bank in Illinois vs the state
13.6%Denial rate-3.56 pts vs state
14.4%Decision denial rate-7.27 pts vs state
78.0%Origination rate+19.23 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
92Loans originated
16Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 25 | 9.7% | — | #525 |
| 2024 | 25 | 20 | 8.0% | — | #556 |
| 2025 | 118 | 92 | 13.6% | — | #321 |
What German-American State Bank lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most German-American State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 59 | 41 | 9 | 15.3% |
| Stephenson County | 13 | 11 | 1 | 7.7% |
| Boone County | 12 | 10 | 2 | 16.7% |
| Ogle County | 10 | 10 | 0 | 0.0% |
| Kankakee County | 6 | 4 | 2 | 33.3% |
| Will County | 1 | 0 | 1 | 100.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
| Ford County | 1 | 0 | 1 | 100.0% |
| Cook County | 1 | 1 | 0 | 0.0% |
| Jo Daviess 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: 118 applications in 2025, of which 92 were originated and 16 denied.
13.6% of all applications, or 14.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are German-American State 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