First Federal Bank in Illinois vs the state
13.2%Denial rate-3.91 pts vs state
18.5%Decision denial rate-3.18 pts vs state
58.2%Origination rate-0.53 pts vs state
6.50%Median rate-0.25 pts vs state
0.22Rate spread (pts)-0.16 pts vs state
$123kMedian applicant income
163Loans originated
37Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 87 | 14.8% | 7.00% | #282 |
| 2024 | 250 | 159 | 10.8% | 6.63% | #202 |
| 2025 | 280 | 163 | 13.2% | 6.50% | #200 |
What First Federal Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 89 | 34 | 14 | 15.7% |
| DuPage County | 29 | 16 | 3 | 10.3% |
| Rock Island County | 27 | 19 | 6 | 22.2% |
| Will County | 24 | 8 | 6 | 25.0% |
| Winnebago County | 21 | 17 | 4 | 19.0% |
| Lake County | 19 | 15 | 0 | 0.0% |
| McHenry County | 12 | 7 | 0 | 0.0% |
| Kane County | 10 | 7 | 2 | 20.0% |
| Henry County | 9 | 8 | 0 | 0.0% |
| Madison County | 5 | 4 | 1 | 20.0% |
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: 280 applications in 2025, of which 163 were originated and 37 denied.
13.2% of all applications, or 18.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Federal Bank originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are First Federal 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