Homexpress Mortgage in Illinois vs the state
43.1%Denial rate+25.99 pts vs state
43.2%Decision denial rate+21.56 pts vs state
54.8%Origination rate-3.95 pts vs state
7.63%Median rate+0.88 pts vs state
2.01Rate spread (pts)+1.63 pts vs state
$128kMedian applicant income
183Loans originated
144Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 140 | 84 | 35.0% | 8.75% | #278 |
| 2024 | 224 | 122 | 42.4% | 8.25% | #212 |
| 2025 | 334 | 183 | 43.1% | 7.63% | #179 |
What Homexpress Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 220 | 120 | 95 | 43.2% |
| Winnebago County | 19 | 9 | 10 | 52.6% |
| DuPage County | 18 | 12 | 6 | 33.3% |
| Will County | 18 | 10 | 7 | 38.9% |
| Lake County | 15 | 12 | 2 | 13.3% |
| Champaign County | 9 | 1 | 8 | 88.9% |
| Kane County | 9 | 5 | 4 | 44.4% |
| McHenry County | 4 | 2 | 2 | 50.0% |
| Sangamon County | 4 | 2 | 2 | 50.0% |
| Ogle County | 3 | 0 | 3 | 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: 334 applications in 2025, of which 183 were originated and 144 denied.
43.1% of all applications, or 43.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Homexpress Mortgage originated in Illinois in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Homexpress 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