Neighborhood Loans in Illinois vs the state
55.0%Denial rate+37.83 pts vs state
66.2%Decision denial rate+44.48 pts vs state
25.6%Origination rate-33.11 pts vs state
8.75%Median rate+2.00 pts vs state
-6.19Rate spread (pts)-6.57 pts vs state
$88kMedian applicant income
785Loans originated
1,683Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,563 | 3,090 | 21.3% | 6.75% | #15 |
| 2024 | 5,232 | 3,552 | 22.6% | 6.88% | #16 |
| 2025 | 3,063 | 785 | 55.0% | 8.75% | #31 |
What Neighborhood Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,988 | 539 | 1,091 | 54.9% |
| Will County | 234 | 51 | 139 | 59.4% |
| DuPage County | 199 | 37 | 124 | 62.3% |
| Kane County | 182 | 43 | 96 | 52.7% |
| Lake County | 135 | 30 | 67 | 49.6% |
| McHenry County | 76 | 21 | 40 | 52.6% |
| Winnebago County | 56 | 15 | 23 | 41.1% |
| Kendall County | 47 | 6 | 32 | 68.1% |
| DeKalb County | 30 | 12 | 14 | 46.7% |
| LaSalle County | 21 | 7 | 8 | 38.1% |
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: 3,063 applications in 2025, of which 785 were originated and 1,683 denied.
55.0% of all applications, or 66.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Neighborhood Loans originated in Illinois in 2025 was 8.75%, against a statewide median of 6.75%.
About this data. Figures are Neighborhood Loans'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