First National Bank of Waterloo in Illinois vs the state
3.0%Denial rate-14.13 pts vs state
3.0%Decision denial rate-18.69 pts vs state
88.6%Origination rate+29.82 pts vs state
6.75%Median rate0.00 pts vs state
-0.03Rate spread (pts)-0.41 pts vs state
$112kMedian applicant income
178Loans originated
6Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 207 | 172 | 6.3% | 7.00% | #216 |
| 2024 | 190 | 164 | 3.7% | 6.88% | #233 |
| 2025 | 201 | 178 | 3.0% | 6.75% | #246 |
What First National Bank of Waterloo 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 Waterloo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 82 | 73 | 2 | 2.4% |
| St. Clair County | 69 | 62 | 3 | 4.3% |
| Madison County | 16 | 14 | 0 | 0.0% |
| Randolph County | 12 | 11 | 0 | 0.0% |
| Effingham County | 10 | 9 | 0 | 0.0% |
| Washington County | 6 | 4 | 1 | 16.7% |
| Sangamon County | 2 | 2 | 0 | 0.0% |
| Perry County | 1 | 1 | 0 | 0.0% |
| Pope County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 0 | 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: 201 applications in 2025, of which 178 were originated and 6 denied.
3.0% of all applications, or 3.0% 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 Waterloo originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of Waterloo'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