Planet Home Lending in Illinois vs the state
18.9%Denial rate+1.77 pts vs state
19.4%Decision denial rate-2.29 pts vs state
76.0%Origination rate+17.30 pts vs state
6.25%Median rate-0.50 pts vs state
0.10Rate spread (pts)-0.28 pts vs state
$105kMedian applicant income
330Loans originated
82Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 239 | 163 | 25.5% | 6.63% | #193 |
| 2024 | 343 | 234 | 28.3% | 6.38% | #160 |
| 2025 | 434 | 330 | 18.9% | 6.25% | #146 |
What Planet Home Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 107 | 77 | 25 | 23.4% |
| Will County | 38 | 28 | 8 | 21.1% |
| Lake County | 35 | 30 | 4 | 11.4% |
| DeKalb County | 34 | 24 | 10 | 29.4% |
| St. Clair County | 27 | 19 | 5 | 18.5% |
| Kane County | 15 | 11 | 2 | 13.3% |
| Kendall County | 13 | 11 | 1 | 7.7% |
| DuPage County | 13 | 11 | 2 | 15.4% |
| McHenry County | 12 | 8 | 3 | 25.0% |
| Madison County | 10 | 9 | 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: 434 applications in 2025, of which 330 were originated and 82 denied.
18.9% of all applications, or 19.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Planet Home Lending originated in Illinois in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Planet Home Lending'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