Village Capital & Investment in Illinois vs the state
23.8%Denial rate+6.64 pts vs state
30.6%Decision denial rate+8.93 pts vs state
30.1%Origination rate-28.63 pts vs state
6.00%Median rate-0.75 pts vs state
—Rate spread (pts)
$88kMedian applicant income
237Loans originated
187Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 398 | 83 | 20.9% | 6.25% | #131 |
| 2024 | 808 | 262 | 15.8% | 5.99% | #83 |
| 2025 | 787 | 237 | 23.8% | 6.00% | #95 |
What Village Capital & Investment lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 272 | 64 | 71 | 26.1% |
| Will County | 62 | 18 | 22 | 35.5% |
| St. Clair County | 52 | 15 | 14 | 26.9% |
| DuPage County | 43 | 17 | 7 | 16.3% |
| Kane County | 36 | 12 | 6 | 16.7% |
| Lake County | 35 | 8 | 7 | 20.0% |
| McHenry County | 26 | 10 | 5 | 19.2% |
| Kendall County | 26 | 12 | 8 | 30.8% |
| Madison County | 22 | 6 | 4 | 18.2% |
| Winnebago County | 21 | 8 | 1 | 4.8% |
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: 787 applications in 2025, of which 237 were originated and 187 denied.
23.8% of all applications, or 30.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Village Capital & Investment originated in Illinois in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Village Capital & Investment'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