First State Bank and Trust in Illinois vs the state
5.9%Denial rate-11.27 pts vs state
6.0%Decision denial rate-15.73 pts vs state
87.2%Origination rate+28.49 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
164Loans originated
11Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 132 | 8.8% | — | #261 |
| 2024 | 210 | 175 | 5.2% | — | #220 |
| 2025 | 188 | 164 | 5.9% | — | #254 |
What First State Bank and Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First State Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Piatt County | 49 | 44 | 1 | 2.0% |
| McLean County | 38 | 32 | 4 | 10.5% |
| Champaign County | 36 | 31 | 2 | 5.6% |
| Douglas County | 34 | 29 | 2 | 5.9% |
| Macon County | 7 | 6 | 1 | 14.3% |
| Moultrie County | 6 | 6 | 0 | 0.0% |
| De Witt County | 5 | 4 | 1 | 20.0% |
| Coles County | 3 | 3 | 0 | 0.0% |
| Vermilion County | 3 | 3 | 0 | 0.0% |
| Christian County | 2 | 2 | 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: 188 applications in 2025, of which 164 were originated and 11 denied.
5.9% of all applications, or 6.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First State Bank and Trust'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