First State Mortgage Services in Illinois vs the state
2.4%Denial rate-14.77 pts vs state
2.7%Decision denial rate-18.98 pts vs state
84.4%Origination rate+25.66 pts vs state
6.63%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.11 pts vs state
$102kMedian applicant income
1,147Loans originated
32Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,384 | 1,171 | 3.3% | 6.63% | #57 |
| 2024 | 1,275 | 1,095 | 2.7% | 6.63% | #61 |
| 2025 | 1,359 | 1,147 | 2.4% | 6.63% | #64 |
What First State Mortgage Services lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First State Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLean County | 764 | 677 | 8 | 1.0% |
| Tazewell County | 63 | 53 | 3 | 4.8% |
| Macon County | 50 | 36 | 1 | 2.0% |
| Cook County | 47 | 34 | 3 | 6.4% |
| Logan County | 42 | 34 | 3 | 7.1% |
| Kane County | 42 | 30 | 1 | 2.4% |
| Woodford County | 32 | 29 | 1 | 3.1% |
| De Witt County | 31 | 28 | 0 | 0.0% |
| Champaign County | 31 | 24 | 3 | 9.7% |
| Peoria County | 23 | 18 | 1 | 4.3% |
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: 1,359 applications in 2025, of which 1,147 were originated and 32 denied.
2.4% of all applications, or 2.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First State Mortgage Services originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are First State Mortgage Services'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