First Financial Bank in Illinois vs the state
30.8%Denial rate+13.72 pts vs state
32.5%Decision denial rate+10.83 pts vs state
59.7%Origination rate+1.00 pts vs state
6.75%Median rate0.00 pts vs state
0.22Rate spread (pts)-0.16 pts vs state
$75kMedian applicant income
279Loans originated
144Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 363 | 230 | 25.3% | 7.50% | #142 |
| 2024 | 379 | 232 | 26.9% | 7.50% | #149 |
| 2025 | 467 | 279 | 30.8% | 6.75% | #137 |
What First Financial Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Vermilion County | 80 | 57 | 16 | 20.0% |
| Crawford County | 52 | 32 | 15 | 28.8% |
| Champaign County | 48 | 29 | 14 | 29.2% |
| Clark County | 37 | 20 | 13 | 35.1% |
| Coles County | 32 | 18 | 12 | 37.5% |
| Jasper County | 29 | 19 | 9 | 31.0% |
| Lawrence County | 24 | 14 | 7 | 29.2% |
| Richland County | 21 | 9 | 8 | 38.1% |
| Marion County | 18 | 12 | 6 | 33.3% |
| Livingston County | 16 | 6 | 7 | 43.8% |
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: 467 applications in 2025, of which 279 were originated and 144 denied.
30.8% of all applications, or 32.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Financial Bank originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are First Financial 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