Fairway Independent Mortgage in Illinois vs the state
6.0%Denial rate-11.14 pts vs state
7.9%Decision denial rate-13.77 pts vs state
68.5%Origination rate+9.79 pts vs state
6.88%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.24 pts vs state
$98kMedian applicant income
4,215Loans originated
368Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,163 | 4,332 | 6.8% | 6.75% | #12 |
| 2024 | 5,594 | 3,963 | 6.2% | 6.99% | #15 |
| 2025 | 6,151 | 4,215 | 6.0% | 6.88% | #14 |
What Fairway Independent Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 2,654 | 1,776 | 170 | 6.4% |
| DuPage County | 580 | 399 | 26 | 4.5% |
| Lake County | 466 | 323 | 23 | 4.9% |
| Will County | 443 | 296 | 33 | 7.4% |
| McHenry County | 431 | 307 | 13 | 3.0% |
| Kane County | 369 | 270 | 21 | 5.7% |
| Winnebago County | 322 | 217 | 20 | 6.2% |
| St. Clair County | 103 | 74 | 7 | 6.8% |
| Monroe County | 90 | 69 | 6 | 6.7% |
| Kendall County | 87 | 62 | 5 | 5.7% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 6,151 applications in 2025, of which 4,215 were originated and 368 denied.
6.0% of all applications, or 7.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Fairway Independent Mortgage originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Fairway Independent Mortgage's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology