Union Home Mortgage in Illinois vs the state
5.9%Denial rate-11.18 pts vs state
7.2%Decision denial rate-14.44 pts vs state
74.4%Origination rate+15.68 pts vs state
6.63%Median rate-0.13 pts vs state
0.36Rate spread (pts)-0.02 pts vs state
$132kMedian applicant income
1,655Loans originated
132Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,109 | 780 | 8.8% | 7.13% | #68 |
| 2024 | 1,491 | 1,072 | 8.1% | 6.99% | #51 |
| 2025 | 2,224 | 1,655 | 5.9% | 6.63% | #41 |
What Union Home Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,261 | 921 | 72 | 5.7% |
| DuPage County | 234 | 178 | 10 | 4.3% |
| Lake County | 195 | 150 | 12 | 6.2% |
| Will County | 145 | 108 | 14 | 9.7% |
| McHenry County | 137 | 112 | 6 | 4.4% |
| Kane County | 109 | 86 | 9 | 8.3% |
| Kendall County | 26 | 22 | 0 | 0.0% |
| Winnebago County | 14 | 10 | 0 | 0.0% |
| LaSalle County | 13 | 7 | 0 | 0.0% |
| DeKalb County | 11 | 9 | 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: 2,224 applications in 2025, of which 1,655 were originated and 132 denied.
5.9% of all applications, or 7.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Union Home Mortgage originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Union Home Mortgage'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