Golden Empire Mortgage in Illinois vs the state
5.3%Denial rate-11.86 pts vs state
9.1%Decision denial rate-12.59 pts vs state
52.6%Origination rate-6.11 pts vs state
6.69%Median rate-0.06 pts vs state
0.41Rate spread (pts)+0.03 pts vs state
$130kMedian applicant income
10Loans originated
1Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 3 | 0.0% | 7.13% | #724 |
| 2025 | 19 | 10 | 5.3% | 6.69% | #602 |
What Golden Empire Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 6 | 3 | 1 | 16.7% |
| DuPage County | 4 | 2 | 0 | 0.0% |
| St. Clair County | 3 | 1 | 0 | 0.0% |
| Winnebago County | 2 | 1 | 0 | 0.0% |
| Cook County | 2 | 1 | 0 | 0.0% |
| Macoupin County | 1 | 1 | 0 | 0.0% |
| Boone 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: 19 applications in 2025, of which 10 were originated and 1 denied.
5.3% of all applications, or 9.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Golden Empire Mortgage originated in Illinois in 2025 was 6.69%, against a statewide median of 6.75%.
About this data. Figures are Golden Empire 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