Jmac Lending in Illinois vs the state
3.7%Denial rate-13.39 pts vs state
5.2%Decision denial rate-16.47 pts vs state
67.5%Origination rate+8.72 pts vs state
6.88%Median rate+0.13 pts vs state
0.49Rate spread (pts)+0.10 pts vs state
$123kMedian applicant income
199Loans originated
11Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 33 | 13.0% | 6.88% | #437 |
| 2024 | 111 | 59 | 6.3% | 6.88% | #323 |
| 2025 | 295 | 199 | 3.7% | 6.88% | #191 |
What Jmac Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 158 | 99 | 5 | 3.2% |
| Will County | 34 | 23 | 1 | 2.9% |
| DuPage County | 33 | 22 | 1 | 3.0% |
| Lake County | 18 | 14 | 1 | 5.6% |
| McHenry County | 17 | 13 | 0 | 0.0% |
| Kane County | 13 | 11 | 0 | 0.0% |
| Boone County | 5 | 4 | 0 | 0.0% |
| Kendall County | 4 | 4 | 0 | 0.0% |
| Winnebago County | 3 | 3 | 0 | 0.0% |
| St. Clair County | 2 | 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: 295 applications in 2025, of which 199 were originated and 11 denied.
3.7% of all applications, or 5.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Jmac Lending originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Jmac Lending'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