Plains Commerce Bank in Illinois vs the state
8.0%Denial rate-9.17 pts vs state
12.7%Decision denial rate-9.01 pts vs state
54.8%Origination rate-3.93 pts vs state
6.38%Median rate-0.38 pts vs state
0.24Rate spread (pts)-0.14 pts vs state
$112kMedian applicant income
131Loans originated
19Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 606 | 381 | 2.6% | 6.63% | #95 |
| 2024 | 229 | 119 | 4.4% | 6.88% | #209 |
| 2025 | 239 | 131 | 8.0% | 6.38% | #224 |
What Plains Commerce Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 59 | 33 | 6 | 10.2% |
| Lake County | 33 | 18 | 2 | 6.1% |
| Will County | 26 | 10 | 2 | 7.7% |
| Sangamon County | 14 | 10 | 0 | 0.0% |
| Winnebago County | 13 | 2 | 1 | 7.7% |
| Rock Island County | 10 | 5 | 1 | 10.0% |
| DuPage County | 10 | 8 | 0 | 0.0% |
| Mercer County | 8 | 5 | 0 | 0.0% |
| Whiteside County | 8 | 5 | 0 | 0.0% |
| Kane County | 7 | 6 | 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: 239 applications in 2025, of which 131 were originated and 19 denied.
8.0% of all applications, or 12.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Plains Commerce Bank originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Plains Commerce 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