Key Mortgage Services in Illinois vs the state
2.9%Denial rate-14.18 pts vs state
3.4%Decision denial rate-18.32 pts vs state
78.2%Origination rate+19.47 pts vs state
6.75%Median rate0.00 pts vs state
0.30Rate spread (pts)-0.09 pts vs state
$130kMedian applicant income
1,382Loans originated
52Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,804 | 1,434 | 4.1% | 6.75% | #39 |
| 2024 | 1,920 | 1,392 | 3.5% | 6.88% | #38 |
| 2025 | 1,767 | 1,382 | 2.9% | 6.75% | #47 |
What Key Mortgage Services lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Key Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 828 | 606 | 42 | 5.1% |
| DuPage County | 242 | 200 | 2 | 0.8% |
| Kane County | 178 | 148 | 1 | 0.6% |
| Lake County | 157 | 125 | 3 | 1.9% |
| Will County | 137 | 114 | 1 | 0.7% |
| McHenry County | 126 | 99 | 1 | 0.8% |
| Kendall County | 34 | 30 | 0 | 0.0% |
| DeKalb County | 22 | 21 | 0 | 0.0% |
| Winnebago County | 9 | 8 | 0 | 0.0% |
| Grundy County | 7 | 7 | 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: 1,767 applications in 2025, of which 1,382 were originated and 52 denied.
2.9% of all applications, or 3.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Key Mortgage Services originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Key Mortgage Services'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