First Colony Mortgage in Illinois vs the state
8.8%Denial rate-8.30 pts vs state
11.3%Decision denial rate-10.36 pts vs state
52.9%Origination rate-5.80 pts vs state
7.13%Median rate+0.38 pts vs state
0.60Rate spread (pts)+0.22 pts vs state
$100kMedian applicant income
36Loans originated
6Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 37 | 18 | 35.1% | 6.81% | #495 |
| 2025 | 68 | 36 | 8.8% | 7.13% | #408 |
What First Colony Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 46 | 25 | 4 | 8.7% |
| Will County | 5 | 3 | 0 | 0.0% |
| Kane County | 4 | 3 | 0 | 0.0% |
| Lake County | 3 | 2 | 0 | 0.0% |
| Winnebago County | 3 | 1 | 0 | 0.0% |
| Kendall County | 2 | 1 | 1 | 50.0% |
| DuPage County | 2 | 0 | 1 | 50.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Rock Island County | 1 | 0 | 0 | 0.0% |
| Jo Daviess County | 1 | 0 | 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: 68 applications in 2025, of which 36 were originated and 6 denied.
8.8% of all applications, or 11.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Colony Mortgage originated in Illinois in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are First Colony Mortgage'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