Wheaton Bank & Trust in Illinois vs the state
6.2%Denial rate-10.97 pts vs state
7.6%Decision denial rate-14.13 pts vs state
75.4%Origination rate+16.64 pts vs state
—Median rate
—Rate spread (pts)
$353kMedian applicant income
49Loans originated
4Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 39 | 7.7% | — | #451 |
| 2024 | 47 | 38 | 6.4% | — | #462 |
| 2025 | 65 | 49 | 6.2% | — | #422 |
What Wheaton Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Wheaton Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DuPage County | 47 | 33 | 4 | 8.5% |
| Will County | 11 | 10 | 0 | 0.0% |
| Cook County | 4 | 4 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| LaSalle County | 1 | 0 | 0 | 0.0% |
| Kane 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: 65 applications in 2025, of which 49 were originated and 4 denied.
6.2% of all applications, or 7.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Wheaton Bank & Trust'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