Lument Real Estate Capital in Illinois vs the state
12.8%Denial rate-4.30 pts vs state
14.3%Decision denial rate-7.39 pts vs state
71.8%Origination rate+13.05 pts vs state
5.71%Median rate-1.04 pts vs state
—Rate spread (pts)
—Median applicant income
28Loans originated
5Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 22 | 19.4% | 0.06% | #530 |
| 2024 | 49 | 28 | 32.7% | 5.76% | #447 |
| 2025 | 39 | 28 | 12.8% | 5.71% | #494 |
What Lument Real Estate Capital lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Lument Real Estate Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 31 | 21 | 4 | 12.9% |
| DuPage County | 3 | 3 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Champaign County | 1 | 1 | 0 | 0.0% |
| Peoria County | 1 | 0 | 1 | 100.0% |
| Morgan County | 1 | 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: 39 applications in 2025, of which 28 were originated and 5 denied.
12.8% of all applications, or 14.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Lument Real Estate Capital originated in Illinois in 2025 was 5.71%, against a statewide median of 6.75%.
About this data. Figures are Lument Real Estate 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