Ross Mortgage in Illinois vs the state
10.7%Denial rate-6.41 pts vs state
16.7%Decision denial rate-5.01 pts vs state
53.6%Origination rate-5.17 pts vs state
6.44%Median rate-0.31 pts vs state
0.19Rate spread (pts)-0.19 pts vs state
$104kMedian applicant income
15Loans originated
3Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 20 | 6.5% | 6.69% | #531 |
| 2024 | 36 | 17 | 2.8% | 6.63% | #496 |
| 2025 | 28 | 15 | 10.7% | 6.44% | #549 |
What Ross Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Ross Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 23 | 11 | 3 | 13.0% |
| Sangamon County | 2 | 2 | 0 | 0.0% |
| Will County | 1 | 1 | 0 | 0.0% |
| McHenry County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 0 | 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: 28 applications in 2025, of which 15 were originated and 3 denied.
10.7% of all applications, or 16.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Ross Mortgage originated in Illinois in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are Ross 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