United Shore Financial Services in Illinois vs the state
13.0%Denial rate-4.14 pts vs state
14.8%Decision denial rate-6.85 pts vs state
72.9%Origination rate+14.11 pts vs state
6.50%Median rate-0.25 pts vs state
0.29Rate spread (pts)-0.10 pts vs state
$100kMedian applicant income
11,397Loans originated
2,031Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,227 | 6,988 | 11.4% | 6.92% | #4 |
| 2024 | 12,092 | 8,956 | 12.7% | 6.63% | #3 |
| 2025 | 15,644 | 11,397 | 13.0% | 6.50% | #3 |
What United Shore Financial Services lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 6,828 | 4,805 | 994 | 14.6% |
| Will County | 1,399 | 1,042 | 169 | 12.1% |
| DuPage County | 1,372 | 1,075 | 130 | 9.5% |
| Lake County | 1,035 | 773 | 117 | 11.3% |
| Kane County | 804 | 606 | 93 | 11.6% |
| McHenry County | 634 | 497 | 68 | 10.7% |
| St. Clair County | 574 | 437 | 50 | 8.7% |
| Peoria County | 324 | 264 | 39 | 12.0% |
| Kendall County | 317 | 265 | 25 | 7.9% |
| Winnebago County | 267 | 188 | 36 | 13.5% |
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% |
| 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% |
| Broker Solutions | D | 6,886 | 8.3% | 6.88% |
Frequently asked questions
Illinois: 15,644 applications in 2025, of which 11,397 were originated and 2,031 denied.
13.0% of all applications, or 14.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans United Shore Financial Services originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are United Shore Financial Services'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