INB in Illinois vs the state
4.1%Denial rate-13.04 pts vs state
4.7%Decision denial rate-17.03 pts vs state
82.6%Origination rate+23.84 pts vs state
6.63%Median rate-0.13 pts vs state
0.33Rate spread (pts)-0.05 pts vs state
$99kMedian applicant income
910Loans originated
45Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,121 | 924 | 5.9% | 7.00% | #66 |
| 2024 | 1,080 | 916 | 5.6% | 7.00% | #72 |
| 2025 | 1,102 | 910 | 4.1% | 6.63% | #74 |
What INB lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most INB applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sangamon County | 665 | 576 | 25 | 3.8% |
| Peoria County | 112 | 91 | 4 | 3.6% |
| Champaign County | 53 | 40 | 2 | 3.8% |
| Tazewell County | 46 | 37 | 2 | 4.3% |
| McLean County | 28 | 16 | 3 | 10.7% |
| Knox County | 27 | 18 | 3 | 11.1% |
| Macon County | 24 | 20 | 1 | 4.2% |
| Menard County | 22 | 20 | 0 | 0.0% |
| Logan County | 18 | 15 | 0 | 0.0% |
| Christian County | 17 | 13 | 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: 1,102 applications in 2025, of which 910 were originated and 45 denied.
4.1% of all applications, or 4.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans INB originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are INB'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