Granite Bank in Illinois vs the state
2.6%Denial rate-14.49 pts vs state
3.2%Decision denial rate-18.45 pts vs state
73.7%Origination rate+14.94 pts vs state
7.44%Median rate+0.69 pts vs state
1.76Rate spread (pts)+1.38 pts vs state
$65kMedian applicant income
28Loans originated
1Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 24 | 19 | 0.0% | 6.75% | #562 |
| 2025 | 38 | 28 | 2.6% | 7.44% | #498 |
What Granite Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock Island County | 23 | 15 | 1 | 4.3% |
| Henry County | 7 | 7 | 0 | 0.0% |
| Mercer County | 3 | 3 | 0 | 0.0% |
| Cook County | 2 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| DuPage 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: 38 applications in 2025, of which 28 were originated and 1 denied.
2.6% of all applications, or 3.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Granite Bank originated in Illinois in 2025 was 7.44%, against a statewide median of 6.75%.
About this data. Figures are Granite 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