The Gifford State Bank in Illinois vs the state
4.6%Denial rate-12.57 pts vs state
4.6%Decision denial rate-17.13 pts vs state
95.5%Origination rate+36.71 pts vs state
—Median rate
—Rate spread (pts)
$85kMedian applicant income
84Loans originated
4Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 98 | 6.7% | — | #331 |
| 2024 | 64 | 55 | 10.9% | — | #411 |
| 2025 | 88 | 84 | 4.6% | — | #363 |
What The Gifford State Bank lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most The Gifford State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Champaign County | 46 | 43 | 3 | 6.5% |
| Vermilion County | 29 | 29 | 0 | 0.0% |
| Ford County | 6 | 5 | 1 | 16.7% |
| Iroquois County | 5 | 5 | 0 | 0.0% |
| McLean County | 1 | 1 | 0 | 0.0% |
| De Witt 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: 88 applications in 2025, of which 84 were originated and 4 denied.
4.6% of all applications, or 4.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Gifford State 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