Primary Residential Mortgage in Illinois vs the state
26.5%Denial rate+9.35 pts vs state
36.0%Decision denial rate+14.32 pts vs state
47.1%Origination rate-11.68 pts vs state
6.50%Median rate-0.25 pts vs state
0.62Rate spread (pts)+0.24 pts vs state
$82kMedian applicant income
16Loans originated
9Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 23 | 17.8% | 6.75% | #476 |
| 2024 | 58 | 43 | 8.6% | 6.75% | #429 |
| 2025 | 34 | 16 | 26.5% | 6.50% | #518 |
What Primary Residential Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 15 | 7 | 5 | 33.3% |
| Winnebago County | 6 | 0 | 3 | 50.0% |
| Cook County | 5 | 4 | 0 | 0.0% |
| Madison County | 5 | 5 | 0 | 0.0% |
| Lake County | 2 | 0 | 0 | 0.0% |
| Champaign County | 1 | 0 | 1 | 100.0% |
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: 34 applications in 2025, of which 16 were originated and 9 denied.
26.5% of all applications, or 36.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Primary Residential Mortgage originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Primary Residential 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