Nexera Holding in Illinois vs the state
10.7%Denial rate-6.38 pts vs state
15.9%Decision denial rate-5.76 pts vs state
56.4%Origination rate-2.36 pts vs state
7.63%Median rate+0.88 pts vs state
1.22Rate spread (pts)+0.84 pts vs state
$162kMedian applicant income
168Loans originated
32Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 210 | 104 | 7.1% | 8.94% | #212 |
| 2024 | 274 | 171 | 5.1% | 8.25% | #188 |
| 2025 | 298 | 168 | 10.7% | 7.63% | #190 |
What Nexera Holding lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Nexera Holding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 178 | 106 | 16 | 9.0% |
| DuPage County | 26 | 14 | 3 | 11.5% |
| Will County | 21 | 12 | 1 | 4.8% |
| Lake County | 21 | 10 | 3 | 14.3% |
| Kane County | 13 | 8 | 3 | 23.1% |
| McHenry County | 13 | 7 | 1 | 7.7% |
| Kendall County | 5 | 2 | 2 | 40.0% |
| Winnebago County | 5 | 2 | 1 | 20.0% |
| Kankakee County | 3 | 2 | 0 | 0.0% |
| LaSalle County | 2 | 1 | 1 | 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: 298 applications in 2025, of which 168 were originated and 32 denied.
10.7% of all applications, or 15.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Nexera Holding originated in Illinois in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Nexera Holding'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