Guaranteed Rate, Inc. reported 17,479 applications for homes in Illinois in the HMDA data of 2025.
It originated 10,217 loans in the state in 2025, for $3.5 billion in total.
The median interest rate of these loans in 2025 was 6.625%, and the median of all lenders in Illinois was 6.500%.
The median total loan costs in 2025 were $6,471, and the state median was $5,928.
It denied 7.5% of the applications that it decided in the state in 2025, and the state denial rate was 21.7%.
Filed figures of Guaranteed Rate, Inc. in Illinois, 2025
Figure
In IL
Lender, all states
IL, all lenders
Applications
17,479
129,106
395,939
Loans originated
10,217
70,579
232,591
Median interest rate
6.625%
6.500%
6.500%
Median total loan costs
$6,471
$6,358
$5,928
Denial rate
7.5%
9.1%
21.7%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Guaranteed Rate, Inc. in Illinois, 2025Each value has the median of all lenders in Illinois under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in IL
8,525
6.625%IL 6.500%
$6,471IL $5,928
$1,640IL $1,640
$1,177IL $1,699
$320IL $550
0.332IL 0.290
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.332 percentage points above the average prime offer rate. On a loan of $300,000, that is about $996 more a year, or $83 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Illinois. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Guaranteed Rate, Inc. were in Illinois in 2025?
10,217 of its loans originated, out of 70,579 in all states. That is 14.5%.
In which counties of Illinois did Guaranteed Rate, Inc. originate the most loans in 2025?
The three with the most loans were Cook County (5,271), DuPage County (1,024) and Will County (946).
Which loan types did Guaranteed Rate, Inc. originate in Illinois in 2025?
8,465 conventional, 1,242 FHA, 473 VA and 37 USDA.
How did the applications of Guaranteed Rate, Inc. in Illinois change from 2022 to 2025?
It reported 22,874 applications in 2022 and 17,479 in 2025.