The Federal Savings Bank in Illinois vs the state
8.2%Denial rate-8.96 pts vs state
12.8%Decision denial rate-8.93 pts vs state
55.0%Origination rate-3.71 pts vs state
6.63%Median rate-0.13 pts vs state
0.46Rate spread (pts)+0.08 pts vs state
$104kMedian applicant income
809Loans originated
120Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,386 | 1,478 | 8.0% | 6.75% | #29 |
| 2024 | 1,919 | 1,125 | 9.0% | 6.88% | #39 |
| 2025 | 1,470 | 809 | 8.2% | 6.63% | #60 |
What The Federal Savings Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 728 | 403 | 67 | 9.2% |
| Will County | 162 | 95 | 11 | 6.8% |
| Lake County | 112 | 65 | 13 | 11.6% |
| DuPage County | 105 | 63 | 6 | 5.7% |
| Kane County | 96 | 63 | 4 | 4.2% |
| McHenry County | 45 | 25 | 2 | 4.4% |
| St. Clair County | 25 | 12 | 1 | 4.0% |
| Winnebago County | 23 | 10 | 3 | 13.0% |
| Kendall County | 20 | 8 | 3 | 15.0% |
| Kankakee County | 12 | 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: 1,470 applications in 2025, of which 809 were originated and 120 denied.
8.2% of all applications, or 12.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans The Federal Savings Bank originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are The Federal Savings 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