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First National Bank of Raymond

RAYMOND, IL

First National Bank of Raymond processed 39 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 37 loans with a 0.0% denial rate. Home Purchase was the primary loan purpose. Based in RAYMOND, IL. The approval rate of 94.9% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First National Bank of Raymond's 94.9% origination rate tells you how often an application turned into funded money; the 0.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (39 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

39
Applications
37
Originated
0.0%
Denial Rate
$89,872
Avg Loan Amount
Avg Interest Rate: 7.331% Avg Applicant Income: $31,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 39 37 0 $89,872

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for First National Bank of Raymond (LEI: 549300ZK7EAZ7CRGCU94) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 17 15 $109,706
Refinancing 13 13 $97,308
Cash-out Refinancing 6 6 $53,333
Home Improvement 3 3 $18,333

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 35 97.1% 0.0%
Black or African American * 2 50.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 36 94.4% 0.0%
Joint * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in IL

Other HMDA-reporting lenders in IL with similar activity. Compare any two side-by-side.

Guaranteed Rate, INC.

CHICAGO, IL

124,492 apps 62,820 originated 5.1% denied

BMO Harris Bank NA

Chicago, IL

42,165 apps 18,166 originated 29.4% denied

Mutual of Omaha Mortgage

Lombard, IL

34,393 apps 19,951 originated 20.2% denied

Guaranteed Rate Affinity, LLC

CHICAGO, IL

21,826 apps 14,587 originated 6.0% denied

The Federal Savings Bank

CHICAGO, IL

20,656 apps 8,146 originated 9.3% denied
Compare First National Bank of Raymond vs Guaranteed Rate, INC. →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did First National Bank of Raymond process?
First National Bank of Raymond processed 39 mortgage applications in the 2024 HMDA reporting year. Of these, 37 were originated (approved and funded), and 0 were denied.
What is First National Bank of Raymond's mortgage approval rate?
First National Bank of Raymond has an approval (origination) rate of 94.9%, meaning 94.9% of all applications resulted in a funded mortgage. The denial rate is 0.0%.
What is the average loan amount at First National Bank of Raymond?
The average mortgage loan amount at First National Bank of Raymond is $89,872. The average interest rate is 7.331%. The average applicant income is $31,000.
What types of mortgage loans does First National Bank of Raymond offer?
First National Bank of Raymond processes Conventional loans. The most common type is Conventional with 39 applications and an average loan amount of $89,872.
What loan purposes does First National Bank of Raymond serve?
First National Bank of Raymond serves the following loan purposes: Home Purchase (17 applications), Refinancing (13 applications), Cash-out Refinancing (6 applications), Home Improvement (3 applications). Home Purchase is the most common purpose.
Where is First National Bank of Raymond located?
First National Bank of Raymond is headquartered in RAYMOND, IL. The lender is identified by LEI 549300ZK7EAZ7CRGCU94 in HMDA data.
How does First National Bank of Raymond compare in lending across racial demographics?
First National Bank of Raymond reports demographic lending data under HMDA requirements. White applicants have an approval rate of 97.1% and denial rate of 0.0%; Black or African American applicants have an approval rate of 50.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.