Ladera Lending in Illinois vs the state
3.7%Denial rate-13.42 pts vs state
10.6%Decision denial rate-11.04 pts vs state
30.4%Origination rate-28.37 pts vs state
6.99%Median rate+0.24 pts vs state
0.61Rate spread (pts)+0.23 pts vs state
$98kMedian applicant income
41Loans originated
5Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 15 | 4.0% | 6.63% | #456 |
| 2024 | 98 | 30 | 8.2% | 6.88% | #341 |
| 2025 | 135 | 41 | 3.7% | 6.99% | #306 |
What Ladera Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 53 | 13 | 3 | 5.7% |
| Will County | 18 | 5 | 0 | 0.0% |
| Lake County | 10 | 3 | 1 | 10.0% |
| DuPage County | 9 | 4 | 1 | 11.1% |
| Kane County | 7 | 2 | 0 | 0.0% |
| McHenry County | 5 | 2 | 0 | 0.0% |
| Kankakee County | 3 | 1 | 0 | 0.0% |
| Macoupin County | 3 | 0 | 0 | 0.0% |
| Sangamon County | 3 | 0 | 0 | 0.0% |
| Winnebago 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: 135 applications in 2025, of which 41 were originated and 5 denied.
3.7% of all applications, or 10.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Ladera Lending originated in Illinois in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are Ladera 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