Nations Lending in Illinois vs the state
7.8%Denial rate-9.29 pts vs state
8.4%Decision denial rate-13.28 pts vs state
74.7%Origination rate+15.99 pts vs state
6.75%Median rate0.00 pts vs state
0.46Rate spread (pts)+0.07 pts vs state
$102kMedian applicant income
210Loans originated
22Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 712 | 574 | 4.5% | 6.75% | #84 |
| 2024 | 310 | 231 | 7.1% | 6.75% | #176 |
| 2025 | 281 | 210 | 7.8% | 6.75% | #198 |
What Nations Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 127 | 92 | 14 | 11.0% |
| McHenry County | 31 | 30 | 0 | 0.0% |
| Will County | 23 | 14 | 2 | 8.7% |
| DuPage County | 16 | 13 | 1 | 6.3% |
| Lake County | 13 | 9 | 2 | 15.4% |
| Kane County | 12 | 10 | 0 | 0.0% |
| Madison County | 10 | 5 | 0 | 0.0% |
| St. Clair County | 6 | 5 | 1 | 16.7% |
| Kankakee County | 4 | 1 | 1 | 25.0% |
| Boone County | 4 | 3 | 1 | 25.0% |
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: 281 applications in 2025, of which 210 were originated and 22 denied.
7.8% of all applications, or 8.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Nations Lending originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Nations Lending'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