Mortgage Application Skyline For Sale sign

Logon Name:
- Forgotten Password?
- Broker Self Registration

ILAPL Database: This is the Production website! Contact us at 1-888-ILL-APLD.

Welcome to the Anti-Predatory Lending Database website.
The purpose of this site is to eliminate predatory lending practices by increasing the borrowers’ understanding of the loans they are considering and thereby reduce the number of foreclosures resulting from inappropriate loans.


September 7, 2023
Effective September 13, 2023, at approximately 9:00 PM CT, all users of the Anti-Predatory Lending Database (APLD) will be required to use multi-factor authentication (MFA) when accessing the APLD. MFA will provide enhanced security to protect customer information. More information on MFA can be found within the FTC Safeguards Rule.

Users will need to use either the Google Authenticator or Microsoft Authenticator on a mobile device. Device setup instructions and Frequently Asked Questions will be available on the APLD’s MFA set up page. Please contact APLD Customer Service at 1-888-455-2753 (or by email at ) if you have any questions.

May 15, 2023
Title Insurance Companies, Title Agents, and Independent Escrowees:

New changes are coming to the Anti-Predatory Lending Database. First, a new search function will be available in the APLD to search for loan applications, certificates of compliance, and closing reports by APLD loan application ID. In addition, certificates of compliance can be updated and loan applications can be released through a search by APLD loan application ID. Existing search functions will continue to be available and remain unchanged.

Second, the closing disclosure file size upload has been increased to 2 megabytes. This will ensure that users can upload all pages of a legible and complete closing disclosure into the APLD.

Additional news and reports pertaining to the APLD are available on the Department’s website at the following web address: APLD News & Reports (

Any questions or concerns can be directed to Kari Beyer at or by direct dial at 312-835-9040.

February 23, 2021
A presentation on the Anti-Predatory Lending Database for Underwriters, Title Agents, and Escrow Agents may be found at The Department’s investigation of improperly generated APLD exemption certificates is ongoing. The Department encourages all underwriters, title agents, and escrow agents to view the presentation and work to ensure compliance. The Department also encourages all mortgage bank licensees to view the presentation and communicate with their partners in the title industry to ensure compliance.

September 23, 2020
The Department provided a written warning to title underwriters, title agents, and escrow agents on May 15, 2020, cautioning that recording or attempting to record a mortgage without a valid certificate of exemption or compliance, generated by the APLD, may result in disciplinary action. This warning is available here. Since that time, a large number of improper entity-based certificates of exemption have been generated and cease and desist orders were sent to three title companies on June 24, 2020. When requesting a certificate of exemption from the APLD, it is the responsibility of the person requesting the certificate to ensure the accuracy of the information submitted. IDFPR is investigating occurrences where certificates of exemption have been requested and generated by title agents and closing agents on the basis that the mortgage application was taken by an exempt entity when the entity was not actually exempt. Title agents and closing agents are responsible for ensuring that the selected reason for exemption is accurate. Exempt persons and entities are defined in Section 1-4 of the Residential Mortgage License Act of 1987. See 205 ILCS 635/1-4. The Department encourages anyone who identifies a fraudulent or inaccurate certificate of exemption to bring the certificate to the Department’s attention by sending a copy to

May 7, 2020
All mortgages on residential property are recordable in Cook, Kane, Will and Peoria counties only with a valid certificate of exemption or certificate of compliance, both of which must be generated by the Anti-Predatory Lending Database (“APLD”). Fabrication of a certificate without using the APLD is a fraudulent practice and is a violation of Section 70(g) of the Residential Real Property Disclosure Act (“RRPDA”). Violations of the RRPDA are actionable under the Consumer Fraud and Deceptive Business Practices Act, Residential Mortgage License Act, and Title Insurance Act. Recording a mortgage without a valid certificate of exemption or compliance, generated by the APLD, may result in disciplinary action.

April 14, 2020
On April 13, 2020 the points and fees calculator was removed from the Anti-Predatory Lending Database. The calculator was an optional tool designed to assist users of the database and was not mandatory. For a definition of points and fees see Section 10 of the High Risk Home Loan Act, 815 ILCS 137/10, available at

September 29, 2017
On September 15, 2017, Governor Rauner signed Senate Bill 776 into law as Public Act 100-0509. Public Act 100-0509 modernizes and streamlines several of the processes under the current Anti-Predatory Lending Database (APLD) Program. These changes to the APLD will make it more user friendly for both industry and borrowers while still providing borrowers with the knowledge necessary to make sound financial decisions about home ownership. Public Act 100-0509 reduces the number of fields of information collected. This reduction of fields will assist in the creation of an interface that would connect the APLD to loan origination software to reduce entry. Consistent with this legislation streamlining the current APLD, the Department has recently repealed the original APLD Pilot Program Rules [38 IAC 346] as part of Governor Rauner’s "Cutting the Red Tape Initiative."

October 11, 2015
If a loan was taken prior to October 3, 2015 and was not entered into the APLD by October 2, 2015, it can still be entered into the APLD. Although reference is made to the Loan Estimate and Closing Disclosure-- it will not be considered a TRID loan. Use the pre-October 3, 2015 information to fill-in the corresponding fields on the updated APLD pages.

September 22, 2015
Notice Regarding APLD Entry and Handling for Loan Applications taken as late as October 2, 2015 (Prior to CFPB’s Mandated Mortgage Disclosures on October 3, 2015)
On October 3, 2015, the APLD will convert to only accept loan applications taken subject to the two CFPB’s Mandated Mortgage Disclosures (initially with the new CFPB Loan Estimate) and carry that through to any applicable housing counseling and the closing of the loan (culminating with the new CFPB Closing Disclosure). Due to this APLD conversion, for loan applications taken on or before October 2, 2015, licensees must enter the required loan information into the APLD no later than October 2, 2015, and include Good Faith Estimate (GFE) and Truth in Lending (TIL) disclosure information as is presently done. Housing counselors and title/closing agents will use as presently done the GFE, TIL, and HUD-1 settlement statements for this October 2, 2015 or before grouping of taken loan applications.

September 8, 2015
Broker File Upload Standards
Veritec Solutions, LLC has the Broker File Upload Standards v1.0 available for distribution. This document contains all the necessary information for the file upload process of your loan data to the Veritec Illinois APL Database. Any brokers who plan to upload files must first complete a certification process with Veritec.

Upon passing the certification process, brokers may begin uploading files to the Veritec Illinois APL Database on 10/03/2015. The broker file upload process will be available for loan applications that are added to the database on or after 10/03/2015, when new loans added to the database will be processed based on the Consumer Financial Protection Bureau’s new mandated disclosures. For more information, please contact Kari Beyer by phone at 312-793-3283 or by email at

November 25, 2014
APLD Policy on Cancelled Loan Applications
Once a loan application has been taken it must be entered into the APLD whatever the ultimate disposition of that application may be. This is particularly important regarding loan applications that are subsequently cancelled by the applicant. Cancellation of an application does not eliminate the requirement for entry into the APLD. All applicable loans in the APLD program area that appear in the loan log must also be entered in the APLD. Loan log and APLD data must be consistent.


What is predatory lending?
Unfair, deceptive or negligent lending practices, often referred to as “predatory lending,” have caused many families to lose their homes. When faced with a mortgage a borrower is unable to pay, the result is often foreclosure of the borrower’s home. This situation affects not only the owner of the foreclosed property, but the entire community as well. Neighborhoods fall into disrepair and home values decrease as properties are abandoned.
Anti-Predatory Lending Database © 2008   |  Home   |  Consumer Services   |  Training   |  FAQ   |  About Us   |  Privacy Policy   |  Contact Us