Jlb in Illinois vs the state
4.2%Denial rate-12.89 pts vs state
4.9%Decision denial rate-16.76 pts vs state
81.7%Origination rate+22.95 pts vs state
6.25%Median rate-0.50 pts vs state
0.42Rate spread (pts)+0.04 pts vs state
$77kMedian applicant income
58Loans originated
3Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 54 | 0.0% | 6.25% | #395 |
| 2024 | 78 | 57 | 7.7% | 6.25% | #375 |
| 2025 | 71 | 58 | 4.2% | 6.25% | #401 |
What Jlb lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Jlb applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 39 | 32 | 1 | 2.6% |
| St. Clair County | 14 | 11 | 1 | 7.1% |
| Monroe County | 4 | 4 | 0 | 0.0% |
| Bond County | 2 | 2 | 0 | 0.0% |
| Randolph County | 2 | 2 | 0 | 0.0% |
| Macoupin County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 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: 71 applications in 2025, of which 58 were originated and 3 denied.
4.2% of all applications, or 4.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Jlb originated in Illinois in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Jlb'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