ILLINOIS STATE
ILLINOIS STATE received 241 applications in 2025 and made 221 mortgages, in 37 counties across 11 states. The median rate its borrowers got was 6.375% on a median loan of $125,000. Of 232 decisions, 11 were denials — 4.7%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300TOZIPCBM0DLH67 |
|---|---|
| Applications received | 241 |
| Mortgages made | 221 |
| Denied | 11 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.065 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 92 | 6.375% | $170,000 | 1.1% |
| Refinancing | 69 | 6.125% | $135,000 | 6.8% |
| Cash-out refinancing | 48 | 7.000% | $55,000 | 2.0% |
| Other purposes | 12 | 7.375% | $45,000 | 25.0% |
Where ILLINOIS STATE lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McLean County, IL | 111 | 6.375% | 2.6% |
| Winnebago County, IL | 34 | 6.500% | 5.6% |
| Cook County, IL | 9 | Under 10 loans | 0.0% |
| LaSalle County, IL | 9 | Under 10 loans | 10.0% |
| Tazewell County, IL | 8 | Under 10 loans | 0.0% |
| DuPage County, IL | 6 | Under 10 loans | 0.0% |
| Woodford County, IL | 6 | Under 10 loans | 0.0% |
| Will County, IL | 4 | Under 10 loans | 0.0% |
| Livingston County, IL | 3 | Under 10 loans | 0.0% |
| Champaign County, IL | 2 | Under 10 loans | 0.0% |
| De Witt County, IL | 2 | Under 10 loans | 0.0% |
| Stephenson County, IL | 2 | Under 10 loans | 0.0% |
| Graves County, KY | 2 | Under 10 loans | 0.0% |
| Clark County, WA | 2 | Under 10 loans | 0.0% |
| Rock County, WI | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Boone County, IL | 1 | Under 10 loans | 0.0% |
| Crawford County, IL | 1 | Under 10 loans | 0.0% |
| Grundy County, IL | 1 | Under 10 loans | 0.0% |
| Knox County, IL | 1 | Under 10 loans | 0.0% |
| Logan County, IL | 1 | Under 10 loans | 0.0% |
| Menard County, IL | 1 | Under 10 loans | 0.0% |
| Ogle County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Warren County, IL | 1 | Under 10 loans | 0.0% |
| Tippecanoe County, IN | 1 | Under 10 loans | 0.0% |
| Muhlenberg County, KY | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
| Brown County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, GA | 0 | Under 10 loans | 100.0% |
| Mason County, IL | 0 | Under 10 loans | 100.0% |
| Fort Bend County, TX | 0 | Under 10 loans | 100.0% |
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When ILLINOIS STATE’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.