United Trust Bank in Illinois vs the state
17.0%Denial rate-0.14 pts vs state
17.3%Decision denial rate-4.37 pts vs state
79.3%Origination rate+20.51 pts vs state
6.50%Median rate-0.25 pts vs state
0.51Rate spread (pts)+0.12 pts vs state
$86kMedian applicant income
42Loans originated
9Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 20 | 15 | 20.0% | 7.25% | #584 |
| 2025 | 53 | 42 | 17.0% | 6.50% | #450 |
What United Trust Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 17 | 12 | 4 | 23.5% |
| St. Clair County | 6 | 5 | 1 | 16.7% |
| Lake County | 6 | 6 | 0 | 0.0% |
| Madison County | 4 | 3 | 1 | 25.0% |
| Champaign County | 3 | 3 | 0 | 0.0% |
| Winnebago County | 2 | 2 | 0 | 0.0% |
| Adams County | 2 | 2 | 0 | 0.0% |
| McHenry County | 1 | 1 | 0 | 0.0% |
| McLean County | 1 | 1 | 0 | 0.0% |
| Crawford County | 1 | 0 | 1 | 100.0% |
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: 53 applications in 2025, of which 42 were originated and 9 denied.
17.0% of all applications, or 17.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans United Trust Bank originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are United Trust 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