First State Bank in Illinois vs the state
6.7%Denial rate-10.45 pts vs state
7.3%Decision denial rate-14.40 pts vs state
84.9%Origination rate+26.15 pts vs state
6.95%Median rate+0.20 pts vs state
0.16Rate spread (pts)-0.22 pts vs state
$104kMedian applicant income
382Loans originated
30Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 472 | 406 | 6.1% | 6.97% | #116 |
| 2024 | 440 | 373 | 8.9% | 7.35% | #133 |
| 2025 | 450 | 382 | 6.7% | 6.95% | #141 |
What First State Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| LaSalle County | 121 | 94 | 11 | 9.1% |
| McLean County | 119 | 112 | 3 | 2.5% |
| Bureau County | 29 | 20 | 4 | 13.8% |
| Cook County | 25 | 23 | 1 | 4.0% |
| Lee County | 23 | 18 | 3 | 13.0% |
| DeKalb County | 23 | 20 | 1 | 4.3% |
| Kane County | 20 | 17 | 2 | 10.0% |
| Ogle County | 16 | 14 | 1 | 6.3% |
| Champaign County | 6 | 6 | 0 | 0.0% |
| DuPage County | 6 | 5 | 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: 450 applications in 2025, of which 382 were originated and 30 denied.
6.7% of all applications, or 7.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First State Bank originated in Illinois in 2025 was 6.95%, against a statewide median of 6.75%.
About this data. Figures are First State Bank'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