Illinois State in Illinois vs the state
3.6%Denial rate-13.50 pts vs state
3.8%Decision denial rate-17.92 pts vs state
92.8%Origination rate+34.02 pts vs state
6.38%Median rate-0.38 pts vs state
0.07Rate spread (pts)-0.32 pts vs state
$94kMedian applicant income
205Loans originated
8Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 197 | 166 | 7.1% | 6.50% | #225 |
| 2024 | 156 | 135 | 6.4% | 6.38% | #268 |
| 2025 | 221 | 205 | 3.6% | 6.38% | #235 |
What Illinois State lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Illinois State applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLean County | 120 | 111 | 3 | 2.5% |
| Winnebago County | 36 | 34 | 2 | 5.6% |
| LaSalle County | 10 | 9 | 1 | 10.0% |
| Cook County | 9 | 9 | 0 | 0.0% |
| Tazewell County | 8 | 8 | 0 | 0.0% |
| Woodford County | 6 | 6 | 0 | 0.0% |
| DuPage County | 6 | 6 | 0 | 0.0% |
| Will County | 4 | 4 | 0 | 0.0% |
| Livingston County | 3 | 3 | 0 | 0.0% |
| Stephenson County | 2 | 2 | 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: 221 applications in 2025, of which 205 were originated and 8 denied.
3.6% of all applications, or 3.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Illinois State originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Illinois State'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