Lenders › Us Bank, N.A. › Illinois
Us Bank, N.A. in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
In Illinois, Us Bank, N.A. reported 9,292 applications and 4,144 originations for 2024, $992m in all.
Its denial rate in the state was 46.5%, above the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 41.5%.
The median rate spread on its Illinois originations was 1.0 percentage points (state median 0.5).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Us Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 46.5% | 23.3% | 41.5% | 24.3% |
| Median rate spread, pp | 1.0 | 0.5 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 34.3% | 15.4% | 24.2% | 15.6% |
| Average originated loan | $239k | $273k | $403k | $329k |
| Home purchase share | 47.6% | 61.1% | 46.8% | 57.0% |
| FHA-insured share | 3.8% | 10.7% | 2.4% | 13.4% |
| VA-guaranteed share | 1.9% | 4.9% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 48% (1,974)Home improvement 16% (676)Refinancing 9% (389)Cash-out refinancing 9% (391)Other purpose 17% (714)
By type
Conventional 94% (3,896)FHA 4% (158)VA 2% (78)USDA 0% (12)
Denial reasons as coded
Share of 3,689 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cook County | 3,716 | 1,472 | $457m | 51.5% |
| DuPage County | 862 | 433 | $137m | 39.7% |
| Will County | 669 | 294 | $69m | 49.0% |
| Lake County | 436 | 202 | $57m | 43.1% |
| Madison County | 341 | 169 | $25m | 42.8% |
| Kane County | 365 | 146 | $34m | 49.3% |
| Winnebago County | 323 | 139 | $18m | 51.4% |
| Peoria County | 206 | 123 | $22m | 28.7% |
| McHenry County | 249 | 112 | $21m | 45.3% |
| Tazewell County | 149 | 102 | $19m | 25.4% |
| St. Clair County | 220 | 82 | $13m | 56.6% |
| Williamson County | 107 | 66 | $11m | 28.1% |
| Sangamon County | 120 | 57 | $7.1m | 42.9% |
| McLean County | 103 | 53 | $11m | 39.3% |
| Kendall County | 98 | 48 | $7.4m | 43.0% |
| Whiteside County | 70 | 40 | $4.2m | 39.4% |
| Franklin County | 73 | 36 | $4.3m | 46.3% |
| Rock Island County | 88 | 30 | $3.3m | 57.3% |
| Lee County | 43 | 26 | $2.8m | 28.9% |
| Stephenson County | 60 | 25 | $3.0m | 44.7% |
| Jefferson County | 58 | 25 | $2.3m | 40.5% |
| Marion County | 48 | 25 | $2.5m | 43.2% |
| Morgan County | 37 | 20 | $2.3m | 42.9% |
| Grundy County | 32 | 19 | $4.2m | 32.1% |
| Ogle County | 39 | 18 | $1.9m | 44.1% |
| Monroe County | 27 | 18 | $2.8m | 28.0% |
| Boone County | 42 | 17 | $2.6m | 52.8% |
| Coles County | 27 | 16 | $1.9m | 36.0% |
| Clinton County | 27 | 16 | $1.5m | — |
| Macon County | 38 | 15 | $3.4m | 54.5% |
| Jackson County | 28 | 15 | $1.8m | — |
| DeKalb County | 40 | 14 | $2.7m | 57.1% |
| Champaign County | 35 | 12 | $3.4m | 55.2% |
| Kankakee County | 31 | 12 | $1.9m | 55.2% |
| LaSalle County | 30 | 11 | $1.5m | — |
| Christian County | 25 | 9 | $895k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Us Bank, N.A. originate in Illinois in 2024?
4,144 loans totalling $992m, from 9,292 applications reported for properties in Illinois.
What is Us Bank, N.A.'s denial rate in Illinois?
46.5% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 41.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does Us Bank, N.A. lend in most?
By originations: Cook County (1,472), DuPage County (433), Will County (294), Lake County (202), Madison County (169).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.