SmartFi Home Loans in Illinois vs the state
10.5%Denial rate-6.59 pts vs state
11.8%Decision denial rate-9.92 pts vs state
79.0%Origination rate+20.21 pts vs state
8.98%Median rate+2.23 pts vs state
—Rate spread (pts)
$26kMedian applicant income
15Loans originated
2Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 14.3% | 9.69% | #715 |
| 2025 | 19 | 15 | 10.5% | 8.98% | #598 |
What SmartFi Home Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 7 | 6 | 0 | 0.0% |
| McHenry County | 4 | 4 | 0 | 0.0% |
| DuPage County | 2 | 1 | 0 | 0.0% |
| Peoria County | 1 | 0 | 1 | 100.0% |
| Winnebago County | 1 | 1 | 0 | 0.0% |
| Will County | 1 | 1 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 1 | 100.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| McLean County | 1 | 1 | 0 | 0.0% |
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: 19 applications in 2025, of which 15 were originated and 2 denied.
10.5% of all applications, or 11.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans SmartFi Home Loans originated in Illinois in 2025 was 8.98%, against a statewide median of 6.75%.
About this data. Figures are SmartFi Home Loans'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