PHH Mortgage in Illinois vs the state
9.7%Denial rate-7.43 pts vs state
19.7%Decision denial rate-2.01 pts vs state
38.9%Origination rate-19.81 pts vs state
6.63%Median rate-0.13 pts vs state
0.36Rate spread (pts)-0.02 pts vs state
$100kMedian applicant income
241Loans originated
60Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 80 | 28.6% | 6.93% | #177 |
| 2024 | 377 | 122 | 15.7% | 6.63% | #150 |
| 2025 | 619 | 241 | 9.7% | 6.63% | #112 |
What PHH Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 288 | 109 | 33 | 11.5% |
| DuPage County | 59 | 23 | 6 | 10.2% |
| Will County | 59 | 22 | 4 | 6.8% |
| Lake County | 37 | 17 | 4 | 10.8% |
| Kane County | 31 | 15 | 1 | 3.2% |
| St. Clair County | 22 | 11 | 1 | 4.5% |
| McHenry County | 14 | 4 | 3 | 21.4% |
| Madison County | 14 | 4 | 1 | 7.1% |
| Champaign County | 10 | 1 | 0 | 0.0% |
| Rock Island County | 7 | 0 | 3 | 42.9% |
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: 619 applications in 2025, of which 241 were originated and 60 denied.
9.7% of all applications, or 19.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans PHH Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are PHH 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