Liberty in Illinois vs the state
7.2%Denial rate-9.91 pts vs state
8.5%Decision denial rate-13.17 pts vs state
77.5%Origination rate+18.74 pts vs state
6.81%Median rate+0.06 pts vs state
0.38Rate spread (pts)0.00 pts vs state
$84kMedian applicant income
86Loans originated
8Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 76 | 15.4% | 7.25% | #332 |
| 2024 | 116 | 81 | 19.0% | 7.00% | #312 |
| 2025 | 111 | 86 | 7.2% | 6.81% | #332 |
What Liberty lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wabash County | 22 | 15 | 0 | 0.0% |
| Lawrence County | 20 | 16 | 3 | 15.0% |
| White County | 17 | 11 | 3 | 17.6% |
| Williamson County | 7 | 6 | 0 | 0.0% |
| Crawford County | 6 | 6 | 0 | 0.0% |
| Edwards County | 4 | 3 | 0 | 0.0% |
| Richland County | 3 | 3 | 0 | 0.0% |
| Wayne County | 3 | 3 | 0 | 0.0% |
| Saline County | 2 | 2 | 0 | 0.0% |
| Edgar 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: 111 applications in 2025, of which 86 were originated and 8 denied.
7.2% of all applications, or 8.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Liberty originated in Illinois in 2025 was 6.81%, against a statewide median of 6.75%.
About this data. Figures are Liberty'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