First American Bank in Illinois vs the state
28.3%Denial rate+11.13 pts vs state
31.8%Decision denial rate+10.15 pts vs state
59.0%Origination rate+0.27 pts vs state
7.00%Median rate+0.25 pts vs state
0.17Rate spread (pts)-0.21 pts vs state
$120kMedian applicant income
2,072Loans originated
992Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,299 | 1,832 | 29.5% | 8.25% | #20 |
| 2024 | 3,737 | 2,079 | 30.6% | 8.24% | #23 |
| 2025 | 3,511 | 2,072 | 28.3% | 7.00% | #27 |
What First American Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,601 | 862 | 528 | 33.0% |
| DuPage County | 526 | 345 | 122 | 23.2% |
| Will County | 349 | 199 | 105 | 30.1% |
| Kane County | 332 | 238 | 63 | 19.0% |
| Lake County | 329 | 194 | 85 | 25.8% |
| McHenry County | 135 | 93 | 32 | 23.7% |
| Kankakee County | 78 | 44 | 24 | 30.8% |
| Kendall County | 62 | 40 | 15 | 24.2% |
| DeKalb County | 21 | 13 | 2 | 9.5% |
| Winnebago County | 16 | 13 | 1 | 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: 3,511 applications in 2025, of which 2,072 were originated and 992 denied.
28.3% of all applications, or 31.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First American Bank originated in Illinois in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are First American Bank'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