Fidelity Bank & Trust in Illinois vs the state
10.5%Denial rate-6.59 pts vs state
10.5%Decision denial rate-11.15 pts vs state
89.5%Origination rate+30.73 pts vs state
5.86%Median rate-0.89 pts vs state
-0.73Rate spread (pts)-1.11 pts vs state
$130kMedian applicant income
17Loans originated
2Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 14 | 22.2% | 7.38% | #606 |
| 2024 | 13 | 12 | 7.7% | 6.50% | #635 |
| 2025 | 19 | 17 | 10.5% | 5.86% | #601 |
What Fidelity Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Fidelity Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jo Daviess County | 18 | 17 | 1 | 5.6% |
| Winnebago County | 1 | 0 | 1 | 100.0% |
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 17 were originated and 2 denied.
10.5% 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 Fidelity Bank & Trust originated in Illinois in 2025 was 5.86%, against a statewide median of 6.75%.
About this data. Figures are Fidelity Bank & Trust'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