North Shore Bank in Illinois vs the state
57.1%Denial rate+40.02 pts vs state
58.8%Decision denial rate+37.14 pts vs state
31.4%Origination rate-27.31 pts vs state
6.38%Median rate-0.38 pts vs state
0.01Rate spread (pts)-0.37 pts vs state
$118kMedian applicant income
11Loans originated
20Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 15 | 38.5% | 6.99% | #556 |
| 2024 | 59 | 21 | 57.6% | 5.85% | #423 |
| 2025 | 35 | 11 | 57.1% | 6.38% | #514 |
What North Shore Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most North Shore Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McHenry County | 13 | 3 | 9 | 69.2% |
| Lake County | 13 | 4 | 7 | 53.8% |
| Cook County | 3 | 1 | 2 | 66.7% |
| Kane County | 3 | 1 | 1 | 33.3% |
| Winnebago County | 1 | 1 | 0 | 0.0% |
| DuPage County | 1 | 0 | 1 | 100.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
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: 35 applications in 2025, of which 11 were originated and 20 denied.
57.1% of all applications, or 58.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans North Shore Bank originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are North Shore 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