The Central Trust Bank in Illinois vs the state
5.3%Denial rate-11.86 pts vs state
7.9%Decision denial rate-13.79 pts vs state
59.7%Origination rate+0.91 pts vs state
6.75%Median rate0.00 pts vs state
0.31Rate spread (pts)-0.07 pts vs state
$138kMedian applicant income
68Loans originated
6Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 64 | 6.7% | 6.50% | #304 |
| 2024 | 115 | 63 | 7.0% | 6.88% | #313 |
| 2025 | 114 | 68 | 5.3% | 6.75% | #329 |
What The Central Trust Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 32 | 23 | 3 | 9.4% |
| Cook County | 20 | 9 | 1 | 5.0% |
| Madison County | 20 | 13 | 0 | 0.0% |
| Monroe County | 10 | 8 | 0 | 0.0% |
| Rock Island County | 5 | 4 | 0 | 0.0% |
| Tazewell County | 3 | 2 | 0 | 0.0% |
| Adams County | 3 | 2 | 0 | 0.0% |
| Champaign County | 3 | 0 | 0 | 0.0% |
| Henry County | 2 | 1 | 0 | 0.0% |
| Putnam 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: 114 applications in 2025, of which 68 were originated and 6 denied.
5.3% of all applications, or 7.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans The Central Trust Bank originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are The Central Trust 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