Oceanside Mortgage in Illinois vs the state
2.6%Denial rate-14.56 pts vs state
4.0%Decision denial rate-17.68 pts vs state
61.5%Origination rate+2.80 pts vs state
6.25%Median rate-0.50 pts vs state
—Rate spread (pts)
$102kMedian applicant income
24Loans originated
1Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 18 | 12 | 5.6% | 6.25% | #608 |
| 2025 | 39 | 24 | 2.6% | 6.25% | #492 |
What Oceanside Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Oceanside Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 13 | 8 | 0 | 0.0% |
| Will County | 3 | 2 | 0 | 0.0% |
| Tazewell County | 2 | 2 | 0 | 0.0% |
| St. Clair County | 2 | 1 | 0 | 0.0% |
| Winnebago County | 2 | 1 | 0 | 0.0% |
| Sangamon County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 0 | 0 | 0.0% |
| Whiteside County | 1 | 0 | 0 | 0.0% |
| Peoria County | 1 | 1 | 0 | 0.0% |
| Adams County | 1 | 0 | 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: 39 applications in 2025, of which 24 were originated and 1 denied.
2.6% of all applications, or 4.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Oceanside Mortgage originated in Illinois in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Oceanside Mortgage'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