Guidance Residential in Illinois vs the state
3.4%Denial rate-13.73 pts vs state
4.6%Decision denial rate-17.07 pts vs state
65.0%Origination rate+6.30 pts vs state
6.88%Median rate+0.13 pts vs state
0.43Rate spread (pts)+0.04 pts vs state
$138kMedian applicant income
307Loans originated
16Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 267 | 177 | 4.5% | 7.13% | #173 |
| 2024 | 383 | 245 | 3.1% | 7.13% | #146 |
| 2025 | 472 | 307 | 3.4% | 6.88% | #134 |
What Guidance Residential lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 190 | 122 | 10 | 5.3% |
| DuPage County | 170 | 112 | 4 | 2.4% |
| Will County | 45 | 33 | 0 | 0.0% |
| Champaign County | 13 | 10 | 0 | 0.0% |
| Lake County | 10 | 5 | 1 | 10.0% |
| Peoria County | 8 | 6 | 0 | 0.0% |
| Kane County | 8 | 6 | 0 | 0.0% |
| Kendall County | 8 | 1 | 0 | 0.0% |
| Sangamon County | 7 | 4 | 0 | 0.0% |
| Winnebago County | 4 | 4 | 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: 472 applications in 2025, of which 307 were originated and 16 denied.
3.4% of all applications, or 4.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Guidance Residential originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Guidance Residential'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