Vanderbilt Mortgage and Finance in Illinois vs the state
42.8%Denial rate+25.64 pts vs state
72.0%Decision denial rate+50.32 pts vs state
14.9%Origination rate-43.89 pts vs state
9.75%Median rate+3.00 pts vs state
3.80Rate spread (pts)+3.42 pts vs state
$59kMedian applicant income
125Loans originated
360Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 753 | 100 | 44.0% | 9.25% | #82 |
| 2024 | 850 | 99 | 48.8% | 9.50% | #78 |
| 2025 | 842 | 125 | 42.8% | 9.75% | #88 |
What Vanderbilt Mortgage and Finance lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Effingham County | 39 | 4 | 15 | 38.5% |
| Williamson County | 38 | 4 | 12 | 31.6% |
| Wayne County | 38 | 4 | 14 | 36.8% |
| Franklin County | 34 | 4 | 11 | 32.4% |
| Saline County | 32 | 4 | 12 | 37.5% |
| St. Clair County | 31 | 1 | 19 | 61.3% |
| Jackson County | 27 | 3 | 8 | 29.6% |
| Marion County | 26 | 6 | 10 | 38.5% |
| Cook County | 24 | 6 | 13 | 54.2% |
| White County | 23 | 2 | 17 | 73.9% |
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: 842 applications in 2025, of which 125 were originated and 360 denied.
42.8% of all applications, or 72.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Illinois in 2025 was 9.75%, against a statewide median of 6.75%.
About this data. Figures are Vanderbilt Mortgage and Finance'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