Provident Funding Associates in Illinois vs the state
10.2%Denial rate-6.97 pts vs state
13.4%Decision denial rate-8.31 pts vs state
65.1%Origination rate+6.38 pts vs state
6.38%Median rate-0.38 pts vs state
-0.09Rate spread (pts)-0.47 pts vs state
$152kMedian applicant income
308Loans originated
48Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 605 | 376 | 6.9% | 6.38% | #96 |
| 2024 | 559 | 343 | 8.6% | 6.50% | #107 |
| 2025 | 473 | 308 | 10.2% | 6.38% | #133 |
What Provident Funding Associates lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 177 | 103 | 24 | 13.6% |
| Lake County | 75 | 59 | 8 | 10.7% |
| DuPage County | 73 | 52 | 5 | 6.8% |
| Will County | 44 | 25 | 6 | 13.6% |
| Kane County | 19 | 11 | 0 | 0.0% |
| Peoria County | 14 | 13 | 0 | 0.0% |
| McHenry County | 12 | 6 | 1 | 8.3% |
| Kendall County | 10 | 5 | 1 | 10.0% |
| Rock Island County | 10 | 7 | 1 | 10.0% |
| Tazewell County | 10 | 8 | 1 | 10.0% |
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: 473 applications in 2025, of which 308 were originated and 48 denied.
10.2% of all applications, or 13.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Provident Funding Associates originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Provident Funding Associates'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