Kind Lending in Illinois vs the state
26.6%Denial rate+9.51 pts vs state
29.4%Decision denial rate+7.76 pts vs state
62.5%Origination rate+3.78 pts vs state
6.88%Median rate+0.13 pts vs state
0.59Rate spread (pts)+0.21 pts vs state
$119kMedian applicant income
432Loans originated
184Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 257 | 160 | 21.4% | 6.99% | #182 |
| 2024 | 387 | 238 | 27.7% | 6.99% | #145 |
| 2025 | 691 | 432 | 26.6% | 6.88% | #103 |
What Kind Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 402 | 241 | 110 | 27.4% |
| Will County | 76 | 50 | 16 | 21.1% |
| DuPage County | 63 | 44 | 16 | 25.4% |
| Lake County | 34 | 23 | 9 | 26.5% |
| Kane County | 22 | 16 | 3 | 13.6% |
| McHenry County | 17 | 13 | 3 | 17.6% |
| St. Clair County | 13 | 9 | 3 | 23.1% |
| Winnebago County | 11 | 6 | 5 | 45.5% |
| Kendall County | 11 | 5 | 6 | 54.5% |
| Grundy County | 5 | 5 | 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: 691 applications in 2025, of which 432 were originated and 184 denied.
26.6% of all applications, or 29.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Kind Lending originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Kind 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