United Community Bank in Illinois vs the state
9.1%Denial rate-8.07 pts vs state
10.6%Decision denial rate-11.06 pts vs state
75.6%Origination rate+16.82 pts vs state
6.75%Median rate0.00 pts vs state
0.27Rate spread (pts)-0.11 pts vs state
$89kMedian applicant income
1,286Loans originated
154Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,593 | 1,217 | 8.5% | 6.50% | #44 |
| 2024 | 1,695 | 1,299 | 9.6% | 6.63% | #46 |
| 2025 | 1,702 | 1,286 | 9.1% | 6.75% | #50 |
What United Community Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sangamon County | 536 | 424 | 42 | 7.8% |
| Adams County | 204 | 147 | 29 | 14.2% |
| Madison County | 181 | 148 | 13 | 7.2% |
| Macoupin County | 158 | 116 | 12 | 7.6% |
| Hancock County | 100 | 79 | 8 | 8.0% |
| McDonough County | 90 | 70 | 7 | 7.8% |
| Greene County | 37 | 25 | 6 | 16.2% |
| Logan County | 29 | 24 | 0 | 0.0% |
| Pike County | 28 | 21 | 5 | 17.9% |
| Marion County | 28 | 22 | 3 | 10.7% |
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: 1,702 applications in 2025, of which 1,286 were originated and 154 denied.
9.1% of all applications, or 10.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans United Community Bank originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are United Community 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