UMB Bank in Illinois vs the state
31.4%Denial rate+14.28 pts vs state
33.8%Decision denial rate+12.07 pts vs state
60.5%Origination rate+1.73 pts vs state
6.15%Median rate-0.60 pts vs state
-0.20Rate spread (pts)-0.58 pts vs state
$114kMedian applicant income
104Loans originated
54Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 25 | 31.6% | 6.49% | #494 |
| 2024 | 45 | 31 | 22.2% | 6.99% | #463 |
| 2025 | 172 | 104 | 31.4% | 6.15% | #268 |
What UMB Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 75 | 41 | 28 | 37.3% |
| Madison County | 34 | 23 | 10 | 29.4% |
| St. Clair County | 24 | 18 | 4 | 16.7% |
| Jo Daviess County | 11 | 6 | 4 | 36.4% |
| Boone County | 8 | 6 | 1 | 12.5% |
| Cook County | 6 | 2 | 2 | 33.3% |
| DuPage County | 3 | 2 | 1 | 33.3% |
| Stephenson County | 2 | 1 | 1 | 50.0% |
| Kane County | 2 | 1 | 1 | 50.0% |
| Sangamon County | 2 | 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: 172 applications in 2025, of which 104 were originated and 54 denied.
31.4% of all applications, or 33.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans UMB Bank originated in Illinois in 2025 was 6.15%, against a statewide median of 6.75%.
About this data. Figures are UMB 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