Home Loan Investment Bank in Illinois vs the state
30.0%Denial rate+12.88 pts vs state
60.0%Decision denial rate+38.32 pts vs state
20.0%Origination rate-38.74 pts vs state
7.60%Median rate+0.85 pts vs state
3.97Rate spread (pts)+3.59 pts vs state
$90kMedian applicant income
4Loans originated
6Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 20 | 23.3% | 9.37% | #418 |
| 2024 | 49 | 27 | 20.4% | 7.25% | #449 |
| 2025 | 20 | 4 | 30.0% | 7.60% | #589 |
What Home Loan Investment Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 6 | 2 | 2 | 33.3% |
| Will County | 4 | 0 | 1 | 25.0% |
| DuPage County | 3 | 1 | 2 | 66.7% |
| Peoria County | 2 | 1 | 0 | 0.0% |
| Grundy County | 2 | 0 | 1 | 50.0% |
| Kendall County | 1 | 0 | 0 | 0.0% |
| Lake County | 1 | 0 | 0 | 0.0% |
| Champaign County | 1 | 0 | 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: 20 applications in 2025, of which 4 were originated and 6 denied.
30.0% of all applications, or 60.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Home Loan Investment Bank originated in Illinois in 2025 was 7.60%, against a statewide median of 6.75%.
About this data. Figures are Home Loan Investment 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