NVR Mortgage Finance in Illinois vs the state
13.6%Denial rate-3.49 pts vs state
14.3%Decision denial rate-7.39 pts vs state
81.8%Origination rate+23.01 pts vs state
6.13%Median rate-0.63 pts vs state
-0.31Rate spread (pts)-0.69 pts vs state
$113kMedian applicant income
336Loans originated
56Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 410 | 320 | 12.7% | 6.25% | #130 |
| 2024 | 417 | 344 | 11.8% | 6.38% | #136 |
| 2025 | 411 | 336 | 13.6% | 6.13% | #148 |
What NVR Mortgage Finance lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kane County | 168 | 137 | 25 | 14.9% |
| Kendall County | 118 | 98 | 11 | 9.3% |
| DeKalb County | 99 | 80 | 15 | 15.2% |
| Cook County | 21 | 21 | 0 | 0.0% |
| Will County | 4 | 0 | 4 | 100.0% |
| DuPage County | 1 | 0 | 1 | 100.0% |
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: 411 applications in 2025, of which 336 were originated and 56 denied.
13.6% of all applications, or 14.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans NVR Mortgage Finance originated in Illinois in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are NVR Mortgage Finance'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