First State Bank (Illinois) mortgage approval rate & lending review
First State Bank (Illinois) decided 817 mortgage applications and funded 767 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First State Bank (Illinois) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First State Bank (Illinois) at a glance
Approval is 11.5 points above the 82.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 220 / 247 | 100% | $135K | 219 |
| Refinance | 78% | 49 / 63 | 100% | $105K | 49 |
| Investment property purchase | 99% | 349 / 351 | 100% | $145K | 349 |
| Investment refinance | 100% | 67 / 67 | 100% | $145K | 67 |
| Investment home improvement | 100% | 56 / 56 | 100% | $95K | 56 |
First State Bank (Illinois) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 94% | $145K | 796 | 746 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First State Bank (Illinois) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLean County, IL | Investment property purchase | 100% | 174 | 174 |
| LaSalle County, IL | Mortgage lenders | 90% | 165 | 149 |
| LaSalle County, IL | Investment property purchase | 97% | 66 | 64 |
| LaSalle County, IL | Refinance | 79% | 39 | 31 |
| DeKalb County, IL | Mortgage lenders | 90% | 21 | 19 |
| McLean County, IL | Mortgage lenders | 77% | 22 | 16 |
The county markets where First State Bank (Illinois) made the most loans. Each link opens that market with every lender ranked.
Questions about First State Bank (Illinois)
What is First State Bank (Illinois)'s mortgage approval rate?
First State Bank (Illinois) approved 94.0% of the 817 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 82.5% national rate for the same mix of loan types.
How often do borrowers take the loan First State Bank (Illinois) offers?
Borrowers accepted 100% of the loans First State Bank (Illinois) approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First State Bank (Illinois) make?
The typical investment property mortgage loan First State Bank (Illinois) made was $145K; across all loan types its typical loan ran from $95K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First State Bank (Illinois) lend?
First State Bank (Illinois) decided applications in 10 of the states Fat Boy Data covers, most of them in Illinois, Tennessee and Florida.
Can I apply to First State Bank (Illinois) directly?
Yes. First State Bank (Illinois) is a bank or credit union with 226 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First State Bank (Illinois)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First State Bank (Illinois) treats applications, then get a rate quote from the lender.