Hometown Equity Mortgage in Illinois vs the state
44.5%Denial rate+27.37 pts vs state
46.1%Decision denial rate+24.44 pts vs state
49.8%Origination rate-8.96 pts vs state
7.50%Median rate+0.75 pts vs state
1.15Rate spread (pts)+0.77 pts vs state
$98kMedian applicant income
113Loans originated
101Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 31 | 55.5% | 8.63% | #305 |
| 2024 | 114 | 50 | 54.4% | 7.88% | #318 |
| 2025 | 227 | 113 | 44.5% | 7.50% | #231 |
What Hometown Equity Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 164 | 82 | 75 | 45.7% |
| Lake County | 11 | 7 | 4 | 36.4% |
| Will County | 10 | 4 | 5 | 50.0% |
| DuPage County | 8 | 6 | 2 | 25.0% |
| Winnebago County | 7 | 4 | 2 | 28.6% |
| McHenry County | 6 | 3 | 3 | 50.0% |
| Kankakee County | 4 | 0 | 4 | 100.0% |
| Peoria County | 3 | 0 | 1 | 33.3% |
| Kane County | 2 | 1 | 0 | 0.0% |
| Madison County | 2 | 0 | 2 | 100.0% |
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: 227 applications in 2025, of which 113 were originated and 101 denied.
44.5% of all applications, or 46.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Hometown Equity Mortgage originated in Illinois in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Hometown Equity 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