Peoples National Bank in Illinois vs the state
11.8%Denial rate-5.36 pts vs state
13.7%Decision denial rate-8.03 pts vs state
72.4%Origination rate+13.66 pts vs state
6.63%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.24 pts vs state
$78kMedian applicant income
320Loans originated
52Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 536 | 420 | 9.5% | 6.88% | #103 |
| 2024 | 505 | 391 | 9.1% | 6.88% | #119 |
| 2025 | 442 | 320 | 11.8% | 6.63% | #143 |
What Peoples National Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Peoples National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 81 | 63 | 8 | 9.9% |
| Saline County | 56 | 36 | 9 | 16.1% |
| Marion County | 49 | 35 | 4 | 8.2% |
| Franklin County | 46 | 38 | 2 | 4.3% |
| Williamson County | 45 | 30 | 5 | 11.1% |
| Hamilton County | 39 | 31 | 5 | 12.8% |
| Wayne County | 37 | 23 | 8 | 21.6% |
| White County | 28 | 20 | 3 | 10.7% |
| Jackson County | 10 | 9 | 0 | 0.0% |
| Johnson County | 6 | 4 | 2 | 33.3% |
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: 442 applications in 2025, of which 320 were originated and 52 denied.
11.8% of all applications, or 13.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Peoples National Bank originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Peoples National 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