Member First Mortgage in Illinois vs the state
14.8%Denial rate-2.32 pts vs state
23.4%Decision denial rate+1.74 pts vs state
44.0%Origination rate-14.74 pts vs state
6.19%Median rate-0.56 pts vs state
0.08Rate spread (pts)-0.30 pts vs state
$114kMedian applicant income
110Loans originated
37Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 40 | 12.9% | 6.63% | #336 |
| 2024 | 167 | 74 | 19.2% | 6.50% | #258 |
| 2025 | 250 | 110 | 14.8% | 6.19% | #220 |
What Member First Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 125 | 53 | 18 | 14.4% |
| DuPage County | 16 | 9 | 1 | 6.3% |
| Champaign County | 14 | 9 | 1 | 7.1% |
| Sangamon County | 11 | 5 | 2 | 18.2% |
| Williamson County | 10 | 2 | 5 | 50.0% |
| Lake County | 9 | 5 | 0 | 0.0% |
| Vermilion County | 8 | 3 | 2 | 25.0% |
| Will County | 7 | 1 | 0 | 0.0% |
| Jackson County | 5 | 4 | 1 | 20.0% |
| McHenry County | 4 | 2 | 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: 250 applications in 2025, of which 110 were originated and 37 denied.
14.8% of all applications, or 23.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Member First Mortgage originated in Illinois in 2025 was 6.19%, against a statewide median of 6.75%.
About this data. Figures are Member First Mortgage'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