Royal United Mortgage in Illinois vs the state
28.0%Denial rate+10.92 pts vs state
33.2%Decision denial rate+11.55 pts vs state
54.8%Origination rate-3.98 pts vs state
6.75%Median rate0.00 pts vs state
1.19Rate spread (pts)+0.81 pts vs state
$50kMedian applicant income
207Loans originated
106Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 386 | 231 | 26.4% | 7.00% | #132 |
| 2024 | 442 | 277 | 25.6% | 7.00% | #132 |
| 2025 | 378 | 207 | 28.0% | 6.75% | #157 |
What Royal United Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 74 | 41 | 24 | 32.4% |
| Madison County | 20 | 9 | 3 | 15.0% |
| St. Clair County | 18 | 11 | 3 | 16.7% |
| Lake County | 15 | 10 | 3 | 20.0% |
| Winnebago County | 15 | 9 | 6 | 40.0% |
| Macon County | 11 | 3 | 4 | 36.4% |
| LaSalle County | 10 | 4 | 2 | 20.0% |
| Peoria County | 10 | 6 | 3 | 30.0% |
| DuPage County | 10 | 8 | 1 | 10.0% |
| Williamson County | 10 | 8 | 1 | 10.0% |
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: 378 applications in 2025, of which 207 were originated and 106 denied.
28.0% of all applications, or 33.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Royal United Mortgage originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Royal United 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