United Home Loans in Illinois vs the state
2.2%Denial rate-14.96 pts vs state
2.7%Decision denial rate-19.02 pts vs state
78.9%Origination rate+20.20 pts vs state
6.63%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.11 pts vs state
$175kMedian applicant income
476Loans originated
13Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 468 | 358 | 4.1% | 6.88% | #117 |
| 2024 | 528 | 437 | 1.9% | 6.88% | #113 |
| 2025 | 603 | 476 | 2.2% | 6.63% | #116 |
What United Home Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most United Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 358 | 276 | 10 | 2.8% |
| DuPage County | 122 | 105 | 1 | 0.8% |
| Will County | 58 | 43 | 2 | 3.4% |
| Lake County | 18 | 14 | 0 | 0.0% |
| Kane County | 18 | 14 | 0 | 0.0% |
| McHenry County | 14 | 11 | 0 | 0.0% |
| Kendall County | 6 | 5 | 0 | 0.0% |
| Grundy County | 3 | 3 | 0 | 0.0% |
| LaSalle County | 2 | 2 | 0 | 0.0% |
| Winnebago 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: 603 applications in 2025, of which 476 were originated and 13 denied.
2.2% of all applications, or 2.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans United Home Loans originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are United Home Loans'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