Lender in Illinois · HMDA 2025
First American Bank mortgages in Illinois
First American Bank's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
First American Bank originated 213 owner-occupied single-family loans in Illinois from 309 completed applications.
Its median conventional purchase loan costs were $5,130 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.50% (Illinois: 6.625%).
Loans in IL
213
of 309 applications
Denial rate
8.4%
Purchase · IL 9.2%
Rate spread
+0.15 pts
Conv. · IL +0.27 pts
Loan amount
$245,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 119 | 105 | 8.4% | 6.500% | +0.15 pts | $5,130 | $245,000 |
| Refinance | 52 | 30 | 36.5% | — | +0.15 pts | $2,330 | $155,000 |
| Cash-out refinance | 138 | 78 | 37.0% | 6.750% | +0.15 pts | $2,390 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology