Rocket Mortgage in Illinois vs the state
19.7%Denial rate+2.62 pts vs state
21.3%Decision denial rate-0.41 pts vs state
70.5%Origination rate+11.79 pts vs state
6.75%Median rate0.00 pts vs state
0.69Rate spread (pts)+0.31 pts vs state
$99kMedian applicant income
11,970Loans originated
3,350Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,257 | 7,243 | 19.3% | 6.75% | #2 |
| 2024 | 12,919 | 9,338 | 18.3% | 6.75% | #2 |
| 2025 | 16,971 | 11,970 | 19.7% | 6.75% | #2 |
What Rocket Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 5,900 | 3,955 | 1,310 | 22.2% |
| Will County | 1,379 | 1,008 | 234 | 17.0% |
| DuPage County | 1,216 | 912 | 166 | 13.7% |
| Lake County | 991 | 725 | 167 | 16.9% |
| Kane County | 727 | 556 | 107 | 14.7% |
| McHenry County | 628 | 488 | 91 | 14.5% |
| Winnebago County | 479 | 348 | 87 | 18.2% |
| St. Clair County | 355 | 243 | 84 | 23.7% |
| Madison County | 338 | 242 | 68 | 20.1% |
| Kendall County | 322 | 242 | 56 | 17.4% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| 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% |
| Broker Solutions | D | 6,886 | 8.3% | 6.88% |
Frequently asked questions
Illinois: 16,971 applications in 2025, of which 11,970 were originated and 3,350 denied.
19.7% of all applications, or 21.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Rocket Mortgage originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Rocket 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