FCB Banks in Illinois vs the state
9.1%Denial rate-8.00 pts vs state
10.5%Decision denial rate-11.21 pts vs state
77.8%Origination rate+19.02 pts vs state
6.88%Median rate+0.13 pts vs state
0.70Rate spread (pts)+0.32 pts vs state
$107kMedian applicant income
1,287Loans originated
151Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,475 | 1,153 | 7.2% | 6.95% | #50 |
| 2024 | 1,490 | 1,156 | 8.1% | 7.70% | #52 |
| 2025 | 1,655 | 1,287 | 9.1% | 6.88% | #55 |
What FCB Banks lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most FCB Banks applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 760 | 599 | 61 | 8.0% |
| St. Clair County | 501 | 371 | 61 | 12.2% |
| Clinton County | 241 | 212 | 12 | 5.0% |
| Monroe County | 43 | 30 | 3 | 7.0% |
| Bond County | 17 | 13 | 3 | 17.6% |
| Randolph County | 16 | 10 | 1 | 6.3% |
| Macoupin County | 15 | 11 | 1 | 6.7% |
| Washington County | 14 | 9 | 3 | 21.4% |
| Montgomery County | 8 | 6 | 1 | 12.5% |
| Jersey County | 7 | 4 | 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: 1,655 applications in 2025, of which 1,287 were originated and 151 denied.
9.1% of all applications, or 10.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans FCB Banks originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are FCB Banks'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