Lender in Illinois · HMDA 2025
FCB Banks mortgages in Illinois
FCB Banks's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
FCB Banks originated 647 owner-occupied single-family loans in Illinois from 708 completed applications.
Its median conventional purchase loan costs were $2,270 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.375% (Illinois: 6.625%).
Loans in IL
647
of 708 applications
Denial rate
6.2%
Purchase · IL 9.2%
Rate spread
+0.67 pts
Conv. · IL +0.27 pts
Loan amount
$215,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 580 | 544 | 6.2% | 6.375% | +0.67 pts | $2,270 | $215,000 |
| Refinance | 108 | 89 | 17.6% | — | +0.64 pts | $1,580 | $205,000 |
| Cash-out refinance | 20 | 14 | 25.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where FCB Banks ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 1 | 301 | 7.5% |
| Clinton County | 1 | 97 | 22.8% |
| St. Clair County | 4 | 185 | 5.0% |
| Bond County | 4 | 10 | 5.7% |
| Monroe County | 7 | 18 | 3.1% |
| Washington County | 8 | 5 | 4.2% |
| Randolph County | 9 | 7 | 2.6% |
| Montgomery County | 15 | 4 | 1.7% |
| Edwards County | 16 | 1 | 3.6% |
| Macoupin County | 18 | 9 | 1.7% |
| Fayette County | 18 | 2 | 1.3% |
| Jersey County | 22 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology