The Northern Trust in Illinois vs the state
4.0%Denial rate-13.12 pts vs state
4.3%Decision denial rate-17.42 pts vs state
86.0%Origination rate+27.26 pts vs state
—Median rate
—Rate spread (pts)
$349kMedian applicant income
43Loans originated
2Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 35 | 2.6% | 6.00% | #490 |
| 2024 | 26 | 21 | 11.5% | 6.50% | #554 |
| 2025 | 50 | 43 | 4.0% | — | #459 |
What The Northern Trust lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most The Northern Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 38 | 33 | 2 | 5.3% |
| Lake County | 5 | 3 | 0 | 0.0% |
| DuPage County | 4 | 4 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Coles County | 1 | 1 | 0 | 0.0% |
| St. Clair 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: 50 applications in 2025, of which 43 were originated and 2 denied.
4.0% of all applications, or 4.3% 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 Northern Trust'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