OCMBC in Illinois vs the state
14.5%Denial rate-2.62 pts vs state
18.1%Decision denial rate-3.61 pts vs state
55.8%Origination rate-2.97 pts vs state
7.38%Median rate+0.63 pts vs state
1.23Rate spread (pts)+0.85 pts vs state
$100kMedian applicant income
454Loans originated
118Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 566 | 290 | 33.4% | 8.19% | #100 |
| 2024 | 686 | 372 | 24.5% | 8.00% | #96 |
| 2025 | 814 | 454 | 14.5% | 7.38% | #93 |
What OCMBC lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 546 | 312 | 78 | 14.3% |
| Will County | 54 | 31 | 12 | 22.2% |
| DuPage County | 45 | 27 | 5 | 11.1% |
| Lake County | 40 | 21 | 7 | 17.5% |
| Kane County | 40 | 21 | 4 | 10.0% |
| Winnebago County | 20 | 9 | 4 | 20.0% |
| McHenry County | 20 | 9 | 2 | 10.0% |
| DeKalb County | 10 | 6 | 2 | 20.0% |
| Kankakee County | 8 | 5 | 1 | 12.5% |
| Kendall County | 7 | 5 | 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: 814 applications in 2025, of which 454 were originated and 118 denied.
14.5% of all applications, or 18.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans OCMBC originated in Illinois in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are OCMBC'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