Midwest BankCentre in Illinois vs the state
6.6%Denial rate-10.57 pts vs state
7.4%Decision denial rate-14.29 pts vs state
82.1%Origination rate+23.36 pts vs state
6.06%Median rate-0.69 pts vs state
-0.05Rate spread (pts)-0.43 pts vs state
$85kMedian applicant income
188Loans originated
15Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 92 | 9.3% | 6.69% | #289 |
| 2024 | 190 | 144 | 4.2% | 6.43% | #235 |
| 2025 | 229 | 188 | 6.6% | 6.06% | #230 |
What Midwest BankCentre lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Midwest BankCentre applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 143 | 117 | 10 | 7.0% |
| Madison County | 63 | 52 | 3 | 4.8% |
| Monroe County | 6 | 5 | 0 | 0.0% |
| Clinton County | 4 | 4 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Cook County | 2 | 1 | 0 | 0.0% |
| Macoupin County | 2 | 1 | 1 | 50.0% |
| Sangamon County | 1 | 1 | 0 | 0.0% |
| Perry County | 1 | 1 | 0 | 0.0% |
| Pike County | 1 | 0 | 1 | 100.0% |
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: 229 applications in 2025, of which 188 were originated and 15 denied.
6.6% of all applications, or 7.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Midwest BankCentre originated in Illinois in 2025 was 6.06%, against a statewide median of 6.75%.
About this data. Figures are Midwest BankCentre'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