First Trust Bank of Illinois in Illinois vs the state
10.8%Denial rate-6.31 pts vs state
11.8%Decision denial rate-9.92 pts vs state
77.0%Origination rate+18.29 pts vs state
—Median rate
—Rate spread (pts)
$88kMedian applicant income
57Loans originated
8Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 74 | 10.0% | — | #357 |
| 2024 | 84 | 65 | 16.7% | — | #360 |
| 2025 | 74 | 57 | 10.8% | — | #396 |
What First Trust Bank of Illinois lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Trust Bank of Illinois applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kankakee County | 54 | 42 | 5 | 9.3% |
| Iroquois County | 15 | 10 | 3 | 20.0% |
| Will County | 3 | 3 | 0 | 0.0% |
| DuPage County | 1 | 1 | 0 | 0.0% |
| Ford 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: 74 applications in 2025, of which 57 were originated and 8 denied.
10.8% of all applications, or 11.8% 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 Trust Bank of Illinois'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