The First National Bank and Trust in Illinois vs the state
10.7%Denial rate-6.44 pts vs state
12.0%Decision denial rate-9.72 pts vs state
77.7%Origination rate+18.93 pts vs state
7.13%Median rate+0.38 pts vs state
0.76Rate spread (pts)+0.38 pts vs state
$94kMedian applicant income
80Loans originated
11Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 121 | 13.8% | 6.88% | #260 |
| 2024 | 131 | 101 | 10.7% | 7.70% | #295 |
| 2025 | 103 | 80 | 10.7% | 7.13% | #344 |
What The First National Bank and Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most The First National Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 79 | 61 | 8 | 10.1% |
| Stephenson County | 6 | 4 | 1 | 16.7% |
| Boone County | 5 | 4 | 1 | 20.0% |
| McHenry County | 2 | 2 | 0 | 0.0% |
| Cook County | 2 | 1 | 0 | 0.0% |
| Ogle County | 2 | 2 | 0 | 0.0% |
| Jo Daviess County | 2 | 2 | 0 | 0.0% |
| Kendall County | 1 | 0 | 1 | 100.0% |
| LaSalle County | 1 | 1 | 0 | 0.0% |
| Henry 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: 103 applications in 2025, of which 80 were originated and 11 denied.
10.7% of all applications, or 12.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans The First National Bank and Trust originated in Illinois in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are The First National Bank and Trust'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