PNC Bank in Illinois vs the state
26.7%Denial rate+9.62 pts vs state
32.2%Decision denial rate+10.48 pts vs state
54.6%Origination rate-4.13 pts vs state
7.25%Median rate+0.50 pts vs state
0.35Rate spread (pts)-0.03 pts vs state
$105kMedian applicant income
3,711Loans originated
1,817Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,209 | 3,251 | 27.1% | 8.55% | #11 |
| 2024 | 6,011 | 3,063 | 28.6% | 8.93% | #12 |
| 2025 | 6,796 | 3,711 | 26.7% | 7.25% | #13 |
What PNC Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 2,551 | 1,299 | 759 | 29.8% |
| DuPage County | 626 | 348 | 161 | 25.7% |
| Will County | 610 | 332 | 161 | 26.4% |
| Lake County | 574 | 363 | 105 | 18.3% |
| Kane County | 407 | 210 | 114 | 28.0% |
| McLean County | 255 | 177 | 38 | 14.9% |
| McHenry County | 194 | 120 | 37 | 19.1% |
| Sangamon County | 189 | 117 | 41 | 21.7% |
| Peoria County | 162 | 80 | 47 | 29.0% |
| Winnebago County | 156 | 77 | 59 | 37.8% |
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: 6,796 applications in 2025, of which 3,711 were originated and 1,817 denied.
26.7% of all applications, or 32.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans PNC Bank originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are PNC 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