First Financial Bank in Illinois vs the state
36.9%Denial rate+19.75 pts vs state
40.7%Decision denial rate+19.06 pts vs state
53.1%Origination rate-5.67 pts vs state
6.25%Median rate-0.50 pts vs state
0.41Rate spread (pts)+0.03 pts vs state
$82kMedian applicant income
95Loans originated
66Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 52 | 52.5% | 6.99% | #277 |
| 2024 | 158 | 78 | 39.2% | 6.99% | #264 |
| 2025 | 179 | 95 | 36.9% | 6.25% | #264 |
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 |
|---|---|---|---|---|
| Kankakee County | 56 | 30 | 21 | 37.5% |
| Vermilion County | 35 | 21 | 11 | 31.4% |
| Iroquois County | 34 | 16 | 12 | 35.3% |
| Cook County | 29 | 15 | 12 | 41.4% |
| DuPage County | 9 | 5 | 2 | 22.2% |
| Will County | 4 | 0 | 4 | 100.0% |
| Grundy County | 2 | 2 | 0 | 0.0% |
| Edgar County | 1 | 1 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 1 | 100.0% |
| Kane 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: 179 applications in 2025, of which 95 were originated and 66 denied.
36.9% of all applications, or 40.7% 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 6.25%, 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