Real Genius in Illinois vs the state
22.9%Denial rate+5.80 pts vs state
34.4%Decision denial rate+12.70 pts vs state
37.5%Origination rate-21.24 pts vs state
5.99%Median rate-0.76 pts vs state
-0.06Rate spread (pts)-0.44 pts vs state
$150kMedian applicant income
18Loans originated
11Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 3 | 42.9% | 6.00% | #547 |
| 2025 | 48 | 18 | 22.9% | 5.99% | #471 |
What Real Genius lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Real Genius applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 24 | 5 | 7 | 29.2% |
| Lake County | 5 | 3 | 1 | 20.0% |
| St. Clair County | 3 | 1 | 1 | 33.3% |
| Will County | 3 | 2 | 0 | 0.0% |
| McHenry County | 2 | 0 | 1 | 50.0% |
| DuPage County | 2 | 1 | 1 | 50.0% |
| Sangamon County | 1 | 1 | 0 | 0.0% |
| Logan County | 1 | 0 | 0 | 0.0% |
| Tazewell County | 1 | 0 | 0 | 0.0% |
| Madison County | 1 | 1 | 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: 48 applications in 2025, of which 18 were originated and 11 denied.
22.9% of all applications, or 34.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Real Genius originated in Illinois in 2025 was 5.99%, against a statewide median of 6.75%.
About this data. Figures are Real Genius'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