International Bank of Chicago at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
57th8.1% deniedProcesswithdrawn + incomplete share, weight 15%
52nd11.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 211 | 172 | 3.3% | 3.8% | — | $50M |
| 2024 | 135 | 108 | 4.4% | 5.0% | — | $58M |
| 2025 | 125 | 100 | 7.2% | 8.1% | — | $37M |
What International Bank of Chicago lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 53 investment properties.
Who gets approved at International Bank of Chicago
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 38 | 29 | 9.1% |
| $100k – $150k | 27 | 21 | 16.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 37 | 29 | 12.1% |
Where International Bank of Chicago lends
4 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
International Bank of Chicago denied 8.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of small mortgage lenders.
In 2025, 77% of its applications were for home purchases, 16% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.