Prosperity Home Mortgage in Illinois vs the state
4.2%Denial rate-12.93 pts vs state
5.3%Decision denial rate-16.42 pts vs state
75.0%Origination rate+16.23 pts vs state
6.63%Median rate-0.13 pts vs state
0.35Rate spread (pts)-0.04 pts vs state
$134kMedian applicant income
572Loans originated
32Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 624 | 395 | 17.5% | 6.99% | #91 |
| 2024 | 566 | 409 | 6.9% | 7.00% | #106 |
| 2025 | 763 | 572 | 4.2% | 6.63% | #96 |
What Prosperity Home Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 374 | 278 | 15 | 4.0% |
| DuPage County | 100 | 76 | 4 | 4.0% |
| Lake County | 93 | 66 | 3 | 3.2% |
| McHenry County | 75 | 61 | 3 | 4.0% |
| Kane County | 39 | 27 | 4 | 10.3% |
| Will County | 30 | 25 | 1 | 3.3% |
| Winnebago County | 18 | 13 | 0 | 0.0% |
| Kendall County | 7 | 6 | 0 | 0.0% |
| DeKalb County | 6 | 6 | 0 | 0.0% |
| Boone County | 3 | 3 | 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: 763 applications in 2025, of which 572 were originated and 32 denied.
4.2% of all applications, or 5.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Prosperity Home Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Prosperity Home 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