First Community in Illinois vs the state
37.8%Denial rate+20.64 pts vs state
46.8%Decision denial rate+25.16 pts vs state
42.5%Origination rate-16.22 pts vs state
6.63%Median rate-0.13 pts vs state
0.97Rate spread (pts)+0.59 pts vs state
$93kMedian applicant income
125Loans originated
111Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 308 | 132 | 39.0% | 7.25% | #161 |
| 2024 | 259 | 124 | 35.1% | 7.13% | #195 |
| 2025 | 294 | 125 | 37.8% | 6.63% | #192 |
What First Community lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Community applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 130 | 55 | 48 | 36.9% |
| St. Clair County | 99 | 37 | 46 | 46.5% |
| Monroe County | 37 | 20 | 10 | 27.0% |
| Macoupin County | 5 | 1 | 1 | 20.0% |
| Johnson County | 2 | 1 | 0 | 0.0% |
| Cook County | 2 | 2 | 0 | 0.0% |
| Clinton County | 2 | 2 | 0 | 0.0% |
| Randolph County | 2 | 2 | 0 | 0.0% |
| Jersey County | 2 | 0 | 1 | 50.0% |
| Bond County | 1 | 1 | 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: 294 applications in 2025, of which 125 were originated and 111 denied.
37.8% of all applications, or 46.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Community originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are First Community'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