Midwest Heritage Bank in Illinois vs the state
27.3%Denial rate+10.15 pts vs state
30.0%Decision denial rate+8.32 pts vs state
63.6%Origination rate+4.90 pts vs state
—Median rate
—Rate spread (pts)
$160kMedian applicant income
7Loans originated
3Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 16.7% | 7.75% | #761 |
| 2024 | 6 | 6 | 0.0% | — | #736 |
| 2025 | 11 | 7 | 27.3% | — | #679 |
What Midwest Heritage Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Midwest Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 2 | 1 | 0 | 0.0% |
| Rock Island County | 2 | 1 | 1 | 50.0% |
| Sangamon County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 0 | 1 | 100.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Peoria County | 1 | 1 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 0 | 1 | 100.0% |
| Ogle 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: 11 applications in 2025, of which 7 were originated and 3 denied.
27.3% of all applications, or 30.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Midwest Heritage Bank'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