Lender in Illinois · HMDA 2025
First State Mortgage Services, LLC mortgages in Illinois
First State Mortgage Services, LLC's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
First State Mortgage Services, LLC originated 1,099 owner-occupied single-family loans in Illinois from 1,131 completed applications.
Its median conventional purchase loan costs were $3,340 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.625% (Illinois: 6.625%).
Loans in IL
1,099
of 1,131 applications
Denial rate
2.6%
Purchase · IL 9.2%
Rate spread
+0.27 pts
Conv. · IL +0.27 pts
Loan amount
$205,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,012 | 982 | 2.6% | 6.625% | +0.27 pts | $3,340 | $205,000 |
| Refinance | 88 | 87 | 1.1% | 6.125% | +0.00 pts | $2,230 | $295,000 |
| Cash-out refinance | 31 | 30 | 3.2% | 6.750% | +0.34 pts | $2,740 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where First State Mortgage Services, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| McLean County | 1 | 646 | 29.1% |
| De Witt County | 1 | 28 | 13.7% |
| Logan County | 2 | 34 | 9.0% |
| Woodford County | 5 | 27 | 5.1% |
| Livingston County | 7 | 16 | 3.1% |
| Tazewell County | 9 | 52 | 3.0% |
| Fulton County | 10 | 8 | 2.1% |
| Douglas County | 10 | 6 | 2.6% |
| Ford County | 10 | 4 | 1.9% |
| Mason County | 11 | 4 | 2.5% |
| Macon County | 12 | 36 | 2.9% |
| Edgar County | 13 | 2 | 1.3% |
| Vermilion County | 16 | 10 | 1.4% |
| Bureau County | 16 | 5 | 1.6% |
| Clark County | 16 | 2 | 1.6% |
| Marshall County | 17 | 3 | 1.7% |
| Champaign County | 18 | 24 | 1.2% |
| Peoria County | 18 | 17 | 0.8% |
| Piatt County | 21 | 3 | 1.0% |
| Morgan County | 21 | 2 | 0.8% |
| LaSalle County | 25 | 10 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology