Mld Mortgage in Illinois vs the state
2.6%Denial rate-14.56 pts vs state
3.1%Decision denial rate-18.55 pts vs state
76.0%Origination rate+17.29 pts vs state
6.63%Median rate-0.13 pts vs state
0.33Rate spread (pts)-0.05 pts vs state
$98kMedian applicant income
1,069Loans originated
36Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 125 | 7.4% | 6.88% | #219 |
| 2024 | 774 | 590 | 3.6% | 6.75% | #87 |
| 2025 | 1,406 | 1,069 | 2.6% | 6.63% | #62 |
What Mld Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Mld Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 371 | 248 | 6 | 1.6% |
| Peoria County | 257 | 200 | 9 | 3.5% |
| Tazewell County | 143 | 122 | 8 | 5.6% |
| Kane County | 132 | 111 | 1 | 0.8% |
| DuPage County | 115 | 85 | 3 | 2.6% |
| Will County | 97 | 67 | 3 | 3.1% |
| McHenry County | 83 | 66 | 1 | 1.2% |
| Lake County | 40 | 30 | 1 | 2.5% |
| Kendall County | 26 | 25 | 0 | 0.0% |
| Woodford County | 21 | 16 | 1 | 4.8% |
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: 1,406 applications in 2025, of which 1,069 were originated and 36 denied.
2.6% of all applications, or 3.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Mld Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Mld 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