Lima One Capital in Illinois vs the state
30.6%Denial rate+13.44 pts vs state
36.7%Decision denial rate+14.99 pts vs state
52.8%Origination rate-5.96 pts vs state
8.59%Median rate+1.84 pts vs state
—Rate spread (pts)
—Median applicant income
38Loans originated
22Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 265 | 265 | 0.0% | 10.60% | #175 |
| 2024 | 141 | 72 | 26.2% | 8.40% | #280 |
| 2025 | 72 | 38 | 30.6% | 8.59% | #399 |
What Lima One Capital lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 46 | 21 | 17 | 37.0% |
| Lake County | 8 | 5 | 2 | 25.0% |
| Peoria County | 6 | 3 | 1 | 16.7% |
| Kankakee County | 3 | 3 | 0 | 0.0% |
| Winnebago County | 2 | 2 | 0 | 0.0% |
| LaSalle County | 2 | 1 | 1 | 50.0% |
| McHenry County | 2 | 2 | 0 | 0.0% |
| Sangamon County | 1 | 1 | 0 | 0.0% |
| Will County | 1 | 0 | 1 | 100.0% |
| Tazewell County | 1 | 0 | 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: 72 applications in 2025, of which 38 were originated and 22 denied.
30.6% of all applications, or 36.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Lima One Capital originated in Illinois in 2025 was 8.59%, against a statewide median of 6.75%.
About this data. Figures are Lima One Capital'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