First Community Mortgage in Illinois vs the state
4.7%Denial rate-12.39 pts vs state
5.4%Decision denial rate-16.27 pts vs state
76.3%Origination rate+17.59 pts vs state
6.99%Median rate+0.24 pts vs state
0.64Rate spread (pts)+0.26 pts vs state
$113kMedian applicant income
129Loans originated
8Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 147 | 110 | 6.1% | 7.00% | #272 |
| 2024 | 183 | 136 | 4.9% | 7.13% | #241 |
| 2025 | 169 | 129 | 4.7% | 6.99% | #272 |
What First Community Mortgage lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 71 | 49 | 6 | 8.5% |
| Peoria County | 24 | 23 | 0 | 0.0% |
| Tazewell County | 13 | 11 | 0 | 0.0% |
| DuPage County | 11 | 8 | 0 | 0.0% |
| Kane County | 9 | 5 | 1 | 11.1% |
| Lake County | 7 | 5 | 0 | 0.0% |
| Will County | 7 | 7 | 0 | 0.0% |
| McHenry County | 6 | 5 | 0 | 0.0% |
| Champaign County | 2 | 2 | 0 | 0.0% |
| Kendall County | 2 | 2 | 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: 169 applications in 2025, of which 129 were originated and 8 denied.
4.7% of all applications, or 5.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Community Mortgage originated in Illinois in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are First Community 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