First State Bank of St. Charles, Missouri in Illinois vs the state
0.0%Denial rate-17.12 pts vs state
0.0%Decision denial rate-21.68 pts vs state
100.0%Origination rate+41.26 pts vs state
6.81%Median rate+0.06 pts vs state
0.16Rate spread (pts)-0.23 pts vs state
$122kMedian applicant income
38Loans originated
0Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 14 | 0.0% | 6.50% | #604 |
| 2024 | 29 | 29 | 0.0% | 6.63% | #534 |
| 2025 | 38 | 38 | 0.0% | 6.81% | #501 |
What First State Bank of St. Charles, Missouri lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most First State Bank of St. Charles, Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 10 | 10 | 0 | 0.0% |
| Madison County | 6 | 6 | 0 | 0.0% |
| McLean County | 5 | 5 | 0 | 0.0% |
| Cook County | 3 | 3 | 0 | 0.0% |
| Jersey County | 3 | 3 | 0 | 0.0% |
| Logan County | 2 | 2 | 0 | 0.0% |
| Union County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Monroe 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: 38 applications in 2025, of which 38 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 State Bank of St. Charles, Missouri originated in Illinois in 2025 was 6.81%, against a statewide median of 6.75%.
About this data. Figures are First State Bank of St. Charles, Missouri'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