The First National Bank of Ava in Illinois vs the state
21.9%Denial rate+4.76 pts vs state
25.0%Decision denial rate+3.32 pts vs state
46.9%Origination rate-11.86 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
15Loans originated
7Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 32 | 29.1% | — | #436 |
| 2024 | 38 | 29 | 18.4% | — | #488 |
| 2025 | 32 | 15 | 21.9% | — | #532 |
What The First National Bank of Ava 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 of Ava applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 22 | 11 | 6 | 27.3% |
| Randolph County | 4 | 2 | 0 | 0.0% |
| Perry County | 2 | 1 | 1 | 50.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 0 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 0 | 0.0% |
| Bond County | 1 | 0 | 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: 32 applications in 2025, of which 15 were originated and 7 denied.
21.9% of all applications, or 25.0% 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 The First National Bank of Ava'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