OriginPoint in Illinois vs the state
2.4%Denial rate-14.71 pts vs state
3.7%Decision denial rate-17.99 pts vs state
62.1%Origination rate+3.33 pts vs state
6.63%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.11 pts vs state
$181kMedian applicant income
1,723Loans originated
67Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 169 | 117 | 5.3% | 6.95% | #251 |
| 2024 | 153 | 103 | 4.6% | 6.99% | #270 |
| 2025 | 2,776 | 1,723 | 2.4% | 6.63% | #34 |
What OriginPoint lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most OriginPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 2,003 | 1,227 | 53 | 2.6% |
| DuPage County | 275 | 187 | 5 | 1.8% |
| Lake County | 259 | 157 | 3 | 1.2% |
| Will County | 85 | 51 | 2 | 2.4% |
| Kane County | 65 | 45 | 2 | 3.1% |
| McHenry County | 60 | 36 | 2 | 3.3% |
| Kendall County | 9 | 5 | 0 | 0.0% |
| DeKalb County | 4 | 3 | 0 | 0.0% |
| Kankakee County | 4 | 3 | 0 | 0.0% |
| Jo Daviess County | 3 | 3 | 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: 2,776 applications in 2025, of which 1,723 were originated and 67 denied.
2.4% of all applications, or 3.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans OriginPoint originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are OriginPoint'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