Nations Direct Mortgage in Illinois vs the state
7.3%Denial rate-9.87 pts vs state
9.5%Decision denial rate-12.16 pts vs state
68.8%Origination rate+10.10 pts vs state
6.87%Median rate+0.12 pts vs state
0.45Rate spread (pts)+0.07 pts vs state
$120kMedian applicant income
190Loans originated
20Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 62 | 20.8% | 6.81% | #302 |
| 2024 | 106 | 65 | 8.5% | 7.00% | #327 |
| 2025 | 276 | 190 | 7.3% | 6.87% | #204 |
What Nations Direct Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 124 | 81 | 9 | 7.3% |
| Williamson County | 35 | 28 | 0 | 0.0% |
| DuPage County | 18 | 13 | 1 | 5.6% |
| McHenry County | 17 | 12 | 1 | 5.9% |
| Lake County | 17 | 12 | 1 | 5.9% |
| St. Clair County | 16 | 12 | 0 | 0.0% |
| Kane County | 10 | 8 | 1 | 10.0% |
| Madison County | 8 | 1 | 4 | 50.0% |
| Will County | 5 | 4 | 0 | 0.0% |
| Jackson County | 4 | 2 | 2 | 50.0% |
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: 276 applications in 2025, of which 190 were originated and 20 denied.
7.3% of all applications, or 9.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Nations Direct Mortgage originated in Illinois in 2025 was 6.87%, against a statewide median of 6.75%.
About this data. Figures are Nations Direct 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