Zillow Home Loans in Illinois vs the state
6.2%Denial rate-10.93 pts vs state
8.0%Decision denial rate-13.71 pts vs state
70.0%Origination rate+11.29 pts vs state
6.63%Median rate-0.13 pts vs state
0.54Rate spread (pts)+0.16 pts vs state
$91kMedian applicant income
430Loans originated
38Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 163 | 7.9% | 7.00% | #186 |
| 2024 | 334 | 250 | 7.2% | 6.75% | #164 |
| 2025 | 614 | 430 | 6.2% | 6.63% | #113 |
What Zillow Home Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 244 | 173 | 17 | 7.0% |
| Will County | 49 | 32 | 4 | 8.2% |
| Lake County | 46 | 28 | 2 | 4.3% |
| McHenry County | 28 | 21 | 2 | 7.1% |
| DuPage County | 23 | 17 | 1 | 4.3% |
| Madison County | 21 | 16 | 1 | 4.8% |
| Kane County | 20 | 15 | 0 | 0.0% |
| St. Clair County | 15 | 10 | 1 | 6.7% |
| DeKalb County | 13 | 7 | 1 | 7.7% |
| Kendall County | 12 | 8 | 1 | 8.3% |
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: 614 applications in 2025, of which 430 were originated and 38 denied.
6.2% of all applications, or 8.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Zillow Home Loans originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Zillow Home Loans'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