Home Mortgage Alliance Corporation (HMAC) in Illinois vs the state
19.4%Denial rate+2.28 pts vs state
26.5%Decision denial rate+4.85 pts vs state
49.3%Origination rate-9.49 pts vs state
8.25%Median rate+1.50 pts vs state
2.16Rate spread (pts)+1.78 pts vs state
$148kMedian applicant income
33Loans originated
13Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 9 | 23.3% | 7.25% | #483 |
| 2024 | 37 | 14 | 2.7% | 8.44% | #490 |
| 2025 | 67 | 33 | 19.4% | 8.25% | #416 |
What Home Mortgage Alliance Corporation (HMAC) lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 30 | 14 | 6 | 20.0% |
| Will County | 14 | 8 | 2 | 14.3% |
| DuPage County | 5 | 3 | 1 | 20.0% |
| Kane County | 4 | 2 | 1 | 25.0% |
| McHenry County | 4 | 2 | 1 | 25.0% |
| Lake County | 3 | 2 | 0 | 0.0% |
| Jackson County | 2 | 0 | 1 | 50.0% |
| Winnebago County | 2 | 0 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| Sangamon 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: 67 applications in 2025, of which 33 were originated and 13 denied.
19.4% of all applications, or 26.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Illinois in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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