Lendingone in Illinois vs the state
16.2%Denial rate-0.91 pts vs state
69.4%Decision denial rate+47.67 pts vs state
7.2%Origination rate-51.58 pts vs state
7.34%Median rate+0.59 pts vs state
—Rate spread (pts)
—Median applicant income
76Loans originated
172Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 307 | 48 | 68.1% | 8.41% | #162 |
| 2024 | 271 | 81 | 54.2% | 7.49% | #191 |
| 2025 | 1,061 | 76 | 16.2% | 7.34% | #75 |
What Lendingone lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 738 | 51 | 121 | 16.4% |
| Will County | 55 | 1 | 11 | 20.0% |
| Lake County | 48 | 6 | 7 | 14.6% |
| DuPage County | 44 | 1 | 3 | 6.8% |
| Winnebago County | 26 | 9 | 5 | 19.2% |
| McHenry County | 23 | 0 | 1 | 4.3% |
| Kane County | 14 | 1 | 3 | 21.4% |
| Peoria County | 13 | 3 | 4 | 30.8% |
| Madison County | 12 | 0 | 2 | 16.7% |
| Kendall County | 10 | 0 | 1 | 10.0% |
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: 1,061 applications in 2025, of which 76 were originated and 172 denied.
16.2% of all applications, or 69.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Lendingone originated in Illinois in 2025 was 7.34%, against a statewide median of 6.75%.
About this data. Figures are Lendingone'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