Mortgage Center L.c in Illinois vs the state
5.1%Denial rate-12.04 pts vs state
6.6%Decision denial rate-15.11 pts vs state
71.8%Origination rate+13.01 pts vs state
6.38%Median rate-0.38 pts vs state
0.41Rate spread (pts)+0.03 pts vs state
$106kMedian applicant income
127Loans originated
9Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 31 | 8.0% | 7.13% | #454 |
| 2024 | 62 | 40 | 4.8% | 6.44% | #417 |
| 2025 | 177 | 127 | 5.1% | 6.38% | #265 |
What Mortgage Center L.c lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Mortgage Center L.c applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McHenry County | 35 | 28 | 2 | 5.7% |
| Cook County | 29 | 22 | 0 | 0.0% |
| Rock Island County | 24 | 18 | 0 | 0.0% |
| Winnebago County | 24 | 14 | 3 | 12.5% |
| Henry County | 16 | 13 | 1 | 6.3% |
| Lake County | 13 | 11 | 1 | 7.7% |
| DuPage County | 12 | 8 | 0 | 0.0% |
| Will County | 7 | 5 | 0 | 0.0% |
| DeKalb County | 4 | 1 | 1 | 25.0% |
| Vermilion County | 3 | 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: 177 applications in 2025, of which 127 were originated and 9 denied.
5.1% of all applications, or 6.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Mortgage Center L.c originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Center L.c'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