Home State Bank in Illinois vs the state
4.7%Denial rate-12.38 pts vs state
5.0%Decision denial rate-16.68 pts vs state
86.6%Origination rate+27.82 pts vs state
6.63%Median rate-0.13 pts vs state
0.29Rate spread (pts)-0.10 pts vs state
$116kMedian applicant income
219Loans originated
12Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 384 | 323 | 4.4% | 6.50% | #133 |
| 2024 | 301 | 254 | 6.3% | 7.00% | #178 |
| 2025 | 253 | 219 | 4.7% | 6.63% | #219 |
What Home State Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Home State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McHenry County | 137 | 123 | 2 | 1.5% |
| Cook County | 42 | 33 | 4 | 9.5% |
| Lake County | 30 | 25 | 3 | 10.0% |
| Kane County | 18 | 14 | 2 | 11.1% |
| DuPage County | 13 | 11 | 1 | 7.7% |
| Boone County | 3 | 3 | 0 | 0.0% |
| Kendall County | 3 | 3 | 0 | 0.0% |
| Will County | 2 | 2 | 0 | 0.0% |
| Winnebago County | 2 | 2 | 0 | 0.0% |
| DeKalb 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: 253 applications in 2025, of which 219 were originated and 12 denied.
4.7% of all applications, or 5.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Home State Bank originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Home State 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