Top Flite Financial in Illinois vs the state
15.0%Denial rate-2.12 pts vs state
27.3%Decision denial rate+5.59 pts vs state
40.0%Origination rate-18.74 pts vs state
6.88%Median rate+0.13 pts vs state
1.25Rate spread (pts)+0.87 pts vs state
$80kMedian applicant income
8Loans originated
3Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 7 | 6.3% | 7.13% | #619 |
| 2024 | 25 | 15 | 12.0% | 7.00% | #559 |
| 2025 | 20 | 8 | 15.0% | 6.88% | #595 |
What Top Flite Financial lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Top Flite Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 4 | 1 | 0 | 0.0% |
| Morgan County | 3 | 3 | 0 | 0.0% |
| Will County | 3 | 1 | 1 | 33.3% |
| DuPage County | 2 | 1 | 1 | 50.0% |
| Scott County | 1 | 0 | 0 | 0.0% |
| Macoupin County | 1 | 1 | 0 | 0.0% |
| Vermilion County | 1 | 0 | 1 | 100.0% |
| Livingston County | 1 | 0 | 0 | 0.0% |
| Kane County | 1 | 0 | 0 | 0.0% |
| Christian 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: 20 applications in 2025, of which 8 were originated and 3 denied.
15.0% of all applications, or 27.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Top Flite Financial originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Top Flite Financial'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