Mutual of Omaha Mortgage in Illinois vs the state
13.0%Denial rate-4.11 pts vs state
16.3%Decision denial rate-5.34 pts vs state
64.5%Origination rate+5.77 pts vs state
6.63%Median rate-0.13 pts vs state
0.46Rate spread (pts)+0.08 pts vs state
$97kMedian applicant income
1,245Loans originated
251Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,353 | 791 | 24.2% | 7.00% | #59 |
| 2024 | 1,649 | 1,033 | 17.9% | 6.75% | #48 |
| 2025 | 1,930 | 1,245 | 13.0% | 6.63% | #43 |
What Mutual of Omaha Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 662 | 406 | 102 | 15.4% |
| DuPage County | 188 | 134 | 14 | 7.4% |
| Kane County | 151 | 119 | 12 | 7.9% |
| Lake County | 143 | 100 | 20 | 14.0% |
| Will County | 139 | 80 | 23 | 16.5% |
| Madison County | 93 | 68 | 3 | 3.2% |
| McHenry County | 71 | 54 | 7 | 9.9% |
| Kendall County | 54 | 40 | 6 | 11.1% |
| St. Clair County | 48 | 30 | 6 | 12.5% |
| DeKalb County | 27 | 18 | 2 | 7.4% |
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: 1,930 applications in 2025, of which 1,245 were originated and 251 denied.
13.0% of all applications, or 16.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Mutual of Omaha Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Mutual of Omaha 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