Guild Mortgage in Illinois vs the state
5.6%Denial rate-11.53 pts vs state
6.8%Decision denial rate-14.85 pts vs state
71.6%Origination rate+12.85 pts vs state
6.63%Median rate-0.13 pts vs state
0.45Rate spread (pts)+0.07 pts vs state
$96kMedian applicant income
2,870Loans originated
224Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,508 | 1,116 | 5.7% | 7.13% | #49 |
| 2024 | 3,334 | 2,505 | 5.1% | 6.88% | #27 |
| 2025 | 4,009 | 2,870 | 5.6% | 6.63% | #22 |
What Guild Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,005 | 613 | 92 | 9.2% |
| Kane County | 500 | 374 | 20 | 4.0% |
| DuPage County | 324 | 253 | 17 | 5.2% |
| Will County | 269 | 184 | 19 | 7.1% |
| Kendall County | 199 | 148 | 11 | 5.5% |
| Winnebago County | 191 | 165 | 2 | 1.0% |
| St. Clair County | 166 | 114 | 10 | 6.0% |
| McHenry County | 147 | 89 | 9 | 6.1% |
| DeKalb County | 142 | 102 | 10 | 7.0% |
| Lake County | 137 | 88 | 11 | 8.0% |
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: 4,009 applications in 2025, of which 2,870 were originated and 224 denied.
5.6% of all applications, or 6.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Guild Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Guild 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