Sierra Pacific Mortgage Company in Illinois vs the state
9.0%Denial rate-8.09 pts vs state
11.8%Decision denial rate-9.92 pts vs state
67.1%Origination rate+8.36 pts vs state
6.75%Median rate0.00 pts vs state
0.41Rate spread (pts)+0.03 pts vs state
$114kMedian applicant income
104Loans originated
14Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 69 | 13.4% | 7.13% | #346 |
| 2024 | 115 | 81 | 19.1% | 6.75% | #316 |
| 2025 | 155 | 104 | 9.0% | 6.75% | #290 |
What Sierra Pacific Mortgage Company lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 75 | 46 | 6 | 8.0% |
| DuPage County | 20 | 14 | 1 | 5.0% |
| Sangamon County | 12 | 10 | 0 | 0.0% |
| Will County | 12 | 9 | 1 | 8.3% |
| Lake County | 11 | 7 | 3 | 27.3% |
| Kane County | 6 | 6 | 0 | 0.0% |
| Kendall County | 5 | 2 | 1 | 20.0% |
| McHenry County | 3 | 3 | 0 | 0.0% |
| Christian County | 3 | 2 | 0 | 0.0% |
| St. Clair County | 2 | 1 | 1 | 50.0% |
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: 155 applications in 2025, of which 104 were originated and 14 denied.
9.0% of all applications, or 11.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Sierra Pacific Mortgage Company originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Sierra Pacific Mortgage Company'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