First Option Mortgage in Illinois vs the state
0.0%Denial rate-17.12 pts vs state
0.0%Decision denial rate-21.68 pts vs state
66.7%Origination rate+7.93 pts vs state
7.06%Median rate+0.31 pts vs state
0.56Rate spread (pts)+0.18 pts vs state
$134kMedian applicant income
4Loans originated
0Denied
What First Option Mortgage lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most First Option Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 2 | 1 | 0 | 0.0% |
| Cook County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 0 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| DuPage 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: 6 applications in 2025, of which 4 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Option Mortgage originated in Illinois in 2025 was 7.06%, against a statewide median of 6.75%.
About this data. Figures are First Option Mortgage'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