First Farmers Bank & Trust in Illinois vs the state
25.6%Denial rate+8.44 pts vs state
25.6%Decision denial rate+3.88 pts vs state
64.4%Origination rate+5.70 pts vs state
7.31%Median rate+0.56 pts vs state
0.39Rate spread (pts)+0.01 pts vs state
$78kMedian applicant income
58Loans originated
23Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 59 | 23.2% | 8.00% | #326 |
| 2024 | 83 | 49 | 25.3% | 7.88% | #363 |
| 2025 | 90 | 58 | 25.6% | 7.31% | #361 |
What First Farmers Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Vermilion County | 52 | 36 | 11 | 21.2% |
| Edgar County | 22 | 13 | 6 | 27.3% |
| Lawrence County | 3 | 1 | 2 | 66.7% |
| Iroquois County | 3 | 3 | 0 | 0.0% |
| Coles County | 3 | 2 | 0 | 0.0% |
| Kankakee County | 2 | 0 | 2 | 100.0% |
| Edwards County | 1 | 0 | 1 | 100.0% |
| Cumberland County | 1 | 0 | 1 | 100.0% |
| Ford County | 1 | 1 | 0 | 0.0% |
| Will 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: 90 applications in 2025, of which 58 were originated and 23 denied.
25.6% of all applications, or 25.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Farmers Bank & Trust originated in Illinois in 2025 was 7.31%, against a statewide median of 6.75%.
About this data. Figures are First Farmers Bank & Trust'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