Royal Business Bank in Illinois vs the state
5.7%Denial rate-11.41 pts vs state
7.6%Decision denial rate-14.13 pts vs state
70.0%Origination rate+11.26 pts vs state
6.50%Median rate-0.25 pts vs state
0.34Rate spread (pts)-0.04 pts vs state
$161kMedian applicant income
49Loans originated
4Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 3 | 11.1% | 8.00% | #699 |
| 2024 | 48 | 36 | 6.3% | 7.13% | #453 |
| 2025 | 70 | 49 | 5.7% | 6.50% | #403 |
What Royal Business Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Royal Business Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 58 | 43 | 4 | 6.9% |
| Will County | 6 | 2 | 0 | 0.0% |
| DuPage County | 3 | 2 | 0 | 0.0% |
| McHenry County | 1 | 1 | 0 | 0.0% |
| Champaign County | 1 | 0 | 0 | 0.0% |
| Lake 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: 70 applications in 2025, of which 49 were originated and 4 denied.
5.7% of all applications, or 7.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Royal Business Bank originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Royal Business 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