First National Bank of Omaha in Illinois vs the state
23.2%Denial rate+6.09 pts vs state
26.3%Decision denial rate+4.62 pts vs state
63.3%Origination rate+4.53 pts vs state
6.99%Median rate+0.24 pts vs state
0.28Rate spread (pts)-0.10 pts vs state
$91kMedian applicant income
646Loans originated
237Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,021 | 669 | 16.3% | 7.35% | #71 |
| 2024 | 1,056 | 659 | 21.2% | 7.99% | #73 |
| 2025 | 1,021 | 646 | 23.2% | 6.99% | #76 |
What First National Bank of Omaha 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 Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kane County | 264 | 175 | 60 | 22.7% |
| McHenry County | 180 | 119 | 41 | 22.8% |
| DeKalb County | 179 | 122 | 33 | 18.4% |
| Cook County | 102 | 49 | 32 | 31.4% |
| Kendall County | 89 | 52 | 26 | 29.2% |
| DuPage County | 53 | 34 | 8 | 15.1% |
| Boone County | 32 | 17 | 10 | 31.3% |
| Will County | 32 | 20 | 8 | 25.0% |
| LaSalle County | 29 | 19 | 5 | 17.2% |
| Ogle County | 18 | 13 | 4 | 22.2% |
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: 1,021 applications in 2025, of which 646 were originated and 237 denied.
23.2% of all applications, or 26.3% 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 Omaha originated in Illinois in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of Omaha'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