NBKC Bank in Illinois vs the state
14.4%Denial rate-2.73 pts vs state
21.4%Decision denial rate-0.28 pts vs state
51.1%Origination rate-7.62 pts vs state
6.25%Median rate-0.50 pts vs state
-0.08Rate spread (pts)-0.47 pts vs state
$150kMedian applicant income
206Loans originated
58Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 124 | 13.9% | 6.63% | #179 |
| 2024 | 380 | 228 | 11.3% | 6.49% | #147 |
| 2025 | 403 | 206 | 14.4% | 6.25% | #151 |
What NBKC Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 195 | 95 | 35 | 17.9% |
| Will County | 37 | 15 | 4 | 10.8% |
| DuPage County | 36 | 17 | 4 | 11.1% |
| Lake County | 24 | 13 | 3 | 12.5% |
| Kane County | 20 | 13 | 1 | 5.0% |
| McHenry County | 14 | 5 | 3 | 21.4% |
| St. Clair County | 11 | 9 | 0 | 0.0% |
| Kendall County | 10 | 5 | 0 | 0.0% |
| Champaign County | 5 | 2 | 1 | 20.0% |
| Peoria County | 5 | 3 | 2 | 40.0% |
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: 403 applications in 2025, of which 206 were originated and 58 denied.
14.4% of all applications, or 21.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans NBKC Bank originated in Illinois in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are NBKC Bank'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