Kiavi Funding in Illinois vs the state
5.0%Denial rate-12.12 pts vs state
11.6%Decision denial rate-10.05 pts vs state
37.4%Origination rate-21.37 pts vs state
9.95%Median rate+3.20 pts vs state
—Rate spread (pts)
—Median applicant income
463Loans originated
62Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 362 | 231 | 12.4% | 10.95% | #143 |
| 2024 | 469 | 347 | 8.3% | 10.45% | #126 |
| 2025 | 1,239 | 463 | 5.0% | 9.95% | #71 |
What Kiavi Funding lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 535 | 227 | 43 | 8.0% |
| Stephenson County | 199 | 0 | 0 | 0.0% |
| Kane County | 76 | 57 | 2 | 2.6% |
| Lake County | 64 | 40 | 7 | 10.9% |
| Macon County | 57 | 8 | 0 | 0.0% |
| Rock Island County | 52 | 24 | 0 | 0.0% |
| St. Clair County | 46 | 1 | 0 | 0.0% |
| DuPage County | 36 | 31 | 2 | 5.6% |
| Winnebago County | 33 | 23 | 0 | 0.0% |
| Will County | 32 | 19 | 2 | 6.3% |
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: 1,239 applications in 2025, of which 463 were originated and 62 denied.
5.0% of all applications, or 11.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Kiavi Funding originated in Illinois in 2025 was 9.95%, against a statewide median of 6.75%.
About this data. Figures are Kiavi Funding'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