Firsttrust Home Loans in Illinois vs the state
1.4%Denial rate-15.69 pts vs state
1.6%Decision denial rate-20.06 pts vs state
86.8%Origination rate+28.05 pts vs state
6.50%Median rate-0.25 pts vs state
0.46Rate spread (pts)+0.07 pts vs state
$65kMedian applicant income
243Loans originated
4Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 111 | 1.4% | 7.00% | #273 |
| 2024 | 218 | 14 | 2.3% | 6.69% | #217 |
| 2025 | 280 | 243 | 1.4% | 6.50% | #199 |
What Firsttrust Home Loans lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Firsttrust Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 101 | 90 | 1 | 1.0% |
| Williamson County | 68 | 58 | 2 | 2.9% |
| Union County | 22 | 20 | 0 | 0.0% |
| Jackson County | 20 | 17 | 0 | 0.0% |
| Jefferson County | 13 | 11 | 0 | 0.0% |
| Johnson County | 13 | 10 | 0 | 0.0% |
| Marion County | 8 | 6 | 1 | 12.5% |
| Perry County | 7 | 7 | 0 | 0.0% |
| Massac County | 7 | 7 | 0 | 0.0% |
| St. Clair County | 6 | 3 | 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: 280 applications in 2025, of which 243 were originated and 4 denied.
1.4% of all applications, or 1.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Firsttrust Home Loans originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Firsttrust Home Loans'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