We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Assess applicant's creditworthiness using credit reports, application information, and income documentation to calculate debt to income ratio, calculate loan to value ratio, and determine overall risk of the applicant.