First National Bank of America in Illinois vs the state
13.5%Denial rate-3.58 pts vs state
17.0%Decision denial rate-4.72 pts vs state
64.9%Origination rate+6.19 pts vs state
8.75%Median rate+2.00 pts vs state
2.63Rate spread (pts)+2.25 pts vs state
$83kMedian applicant income
187Loans originated
39Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 383 | 234 | 19.3% | 9.75% | #134 |
| 2024 | 360 | 222 | 13.3% | 9.50% | #155 |
| 2025 | 288 | 187 | 13.5% | 8.75% | #193 |
What First National Bank of America lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 163 | 98 | 22 | 13.5% |
| Lake County | 27 | 21 | 2 | 7.4% |
| Will County | 25 | 20 | 1 | 4.0% |
| Kane County | 20 | 16 | 3 | 15.0% |
| DuPage County | 14 | 8 | 4 | 28.6% |
| McHenry County | 7 | 5 | 1 | 14.3% |
| Kankakee County | 6 | 3 | 1 | 16.7% |
| Winnebago County | 6 | 5 | 0 | 0.0% |
| Kendall County | 4 | 3 | 0 | 0.0% |
| Macon County | 2 | 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: 288 applications in 2025, of which 187 were originated and 39 denied.
13.5% of all applications, or 17.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First National Bank of America originated in Illinois in 2025 was 8.75%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of America'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