Guaranteed Rate Affinity in Illinois vs the state
6.5%Denial rate-10.65 pts vs state
9.8%Decision denial rate-11.84 pts vs state
57.6%Origination rate-1.17 pts vs state
6.73%Median rate-0.03 pts vs state
0.34Rate spread (pts)-0.05 pts vs state
$120kMedian applicant income
970Loans originated
109Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,221 | 1,249 | 10.7% | 6.75% | #32 |
| 2024 | 1,611 | 984 | 9.4% | 6.89% | #49 |
| 2025 | 1,685 | 970 | 6.5% | 6.73% | #52 |
What Guaranteed Rate Affinity lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,034 | 561 | 74 | 7.2% |
| DuPage County | 160 | 107 | 0 | 0.0% |
| Lake County | 146 | 88 | 10 | 6.8% |
| Will County | 100 | 58 | 12 | 12.0% |
| Kane County | 73 | 48 | 3 | 4.1% |
| McHenry County | 56 | 41 | 2 | 3.6% |
| Kankakee County | 30 | 17 | 0 | 0.0% |
| DeKalb County | 18 | 13 | 0 | 0.0% |
| Kendall County | 15 | 8 | 4 | 26.7% |
| Winnebago County | 10 | 6 | 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: 1,685 applications in 2025, of which 970 were originated and 109 denied.
6.5% of all applications, or 9.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Guaranteed Rate Affinity originated in Illinois in 2025 was 6.73%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate Affinity'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