Legence Bank in Illinois vs the state
18.4%Denial rate+1.30 pts vs state
20.0%Decision denial rate-1.68 pts vs state
56.6%Origination rate-2.16 pts vs state
—Median rate
0.29Rate spread (pts)-0.09 pts vs state
$107kMedian applicant income
43Loans originated
14Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 80 | 19.4% | — | #290 |
| 2024 | 90 | 57 | 17.8% | — | #354 |
| 2025 | 76 | 43 | 18.4% | — | #394 |
What Legence Bank lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most Legence Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saline County | 22 | 13 | 5 | 22.7% |
| Williamson County | 19 | 14 | 0 | 0.0% |
| Gallatin County | 6 | 3 | 1 | 16.7% |
| Franklin County | 4 | 1 | 2 | 50.0% |
| Hardin County | 4 | 1 | 2 | 50.0% |
| Massac County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 1 | 33.3% |
| Clinton County | 2 | 1 | 0 | 0.0% |
| Pulaski County | 2 | 1 | 1 | 50.0% |
| Johnson County | 2 | 1 | 1 | 50.0% |
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: 76 applications in 2025, of which 43 were originated and 14 denied.
18.4% of all applications, or 20.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Legence Bank'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