Point Mortgage in Illinois vs the state
1.8%Denial rate-15.32 pts vs state
2.1%Decision denial rate-19.62 pts vs state
82.5%Origination rate+23.78 pts vs state
6.63%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.11 pts vs state
$100kMedian applicant income
505Loans originated
11Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 288 | 212 | 2.8% | 6.88% | #169 |
| 2024 | 571 | 441 | 2.1% | 6.69% | #104 |
| 2025 | 612 | 505 | 1.8% | 6.63% | #114 |
What Point Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLean County | 122 | 110 | 0 | 0.0% |
| Cook County | 109 | 89 | 3 | 2.8% |
| Will County | 71 | 51 | 0 | 0.0% |
| DuPage County | 69 | 53 | 3 | 4.3% |
| Champaign County | 53 | 49 | 0 | 0.0% |
| Kane County | 37 | 30 | 0 | 0.0% |
| Kendall County | 26 | 26 | 0 | 0.0% |
| LaSalle County | 17 | 11 | 2 | 11.8% |
| McHenry County | 13 | 10 | 0 | 0.0% |
| DeKalb County | 12 | 10 | 1 | 8.3% |
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: 612 applications in 2025, of which 505 were originated and 11 denied.
1.8% of all applications, or 2.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Point Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Point 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