Regions Bank in Illinois vs the state
38.2%Denial rate+21.10 pts vs state
41.9%Decision denial rate+20.18 pts vs state
45.9%Origination rate-12.81 pts vs state
4.99%Median rate-1.76 pts vs state
-2.08Rate spread (pts)-2.46 pts vs state
$78kMedian applicant income
1,168Loans originated
972Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,338 | 1,096 | 37.9% | 7.88% | #30 |
| 2024 | 2,192 | 1,001 | 39.9% | 7.00% | #35 |
| 2025 | 2,543 | 1,168 | 38.2% | 4.99% | #36 |
What Regions Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Regions Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 606 | 293 | 218 | 36.0% |
| Madison County | 533 | 273 | 192 | 36.0% |
| Macon County | 215 | 107 | 79 | 36.7% |
| Jackson County | 87 | 39 | 39 | 44.8% |
| Cook County | 70 | 22 | 36 | 51.4% |
| Christian County | 65 | 32 | 20 | 30.8% |
| Tazewell County | 63 | 26 | 24 | 38.1% |
| Sangamon County | 58 | 19 | 21 | 36.2% |
| Marion County | 57 | 25 | 22 | 38.6% |
| Williamson County | 55 | 27 | 22 | 40.0% |
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: 2,543 applications in 2025, of which 1,168 were originated and 972 denied.
38.2% of all applications, or 41.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Regions Bank originated in Illinois in 2025 was 4.99%, against a statewide median of 6.75%.
About this data. Figures are Regions Bank'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