Ixonia Bank in Illinois vs the state
3.9%Denial rate-13.24 pts vs state
5.3%Decision denial rate-16.34 pts vs state
68.3%Origination rate+9.59 pts vs state
6.88%Median rate+0.13 pts vs state
0.72Rate spread (pts)+0.34 pts vs state
$94kMedian applicant income
563Loans originated
32Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 513 | 370 | 4.7% | 7.13% | #110 |
| 2024 | 854 | 612 | 3.3% | 6.99% | #77 |
| 2025 | 824 | 563 | 3.9% | 6.88% | #90 |
What Ixonia Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 373 | 233 | 24 | 6.4% |
| Will County | 181 | 131 | 3 | 1.7% |
| Kankakee County | 66 | 50 | 1 | 1.5% |
| McLean County | 47 | 43 | 1 | 2.1% |
| DuPage County | 36 | 23 | 0 | 0.0% |
| Iroquois County | 22 | 16 | 0 | 0.0% |
| Kendall County | 11 | 7 | 0 | 0.0% |
| Lake County | 9 | 6 | 0 | 0.0% |
| Kane County | 9 | 7 | 1 | 11.1% |
| Woodford County | 9 | 9 | 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: 824 applications in 2025, of which 563 were originated and 32 denied.
3.9% of all applications, or 5.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Ixonia Bank originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Ixonia Bank'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