First Bank in Illinois vs the state
21.3%Denial rate+4.19 pts vs state
24.1%Decision denial rate+2.39 pts vs state
67.2%Origination rate+8.47 pts vs state
7.25%Median rate+0.50 pts vs state
0.80Rate spread (pts)+0.42 pts vs state
$93kMedian applicant income
41Loans originated
13Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 49 | 44.8% | 6.25% | #330 |
| 2024 | 63 | 31 | 39.7% | 7.13% | #413 |
| 2025 | 61 | 41 | 21.3% | 7.25% | #429 |
What First Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 18 | 10 | 8 | 44.4% |
| Madison County | 15 | 12 | 1 | 6.7% |
| Monroe County | 5 | 4 | 1 | 20.0% |
| Randolph County | 4 | 2 | 0 | 0.0% |
| Cook County | 3 | 2 | 0 | 0.0% |
| Macoupin County | 3 | 1 | 2 | 66.7% |
| Tazewell County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| Macon 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: 61 applications in 2025, of which 41 were originated and 13 denied.
21.3% of all applications, or 24.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Bank originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are First 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