One reason: the large number of homeowners here who are underwater on their mortgages.
from nicholemhearn digest http://www.chicagobusiness.com/realestate/20180731/CRED0701/180739977/were-not-taking-out-many-home-improvement-loans?utm_source=CRED0701&utm_medium=rss&utm_campaign=chicagobusiness
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