1st Midamerica Credit Union in Illinois vs the state
21.4%Denial rate+4.29 pts vs state
23.6%Decision denial rate+1.91 pts vs state
64.2%Origination rate+5.48 pts vs state
—Median rate
—Rate spread (pts)
$88kMedian applicant income
402Loans originated
134Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 331 | 242 | 14.8% | 6.25% | #152 |
| 2024 | 742 | 513 | 14.3% | — | #91 |
| 2025 | 626 | 402 | 21.4% | — | #111 |
What 1st Midamerica Credit Union lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most 1st Midamerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 418 | 284 | 77 | 18.4% |
| Jersey County | 73 | 52 | 12 | 16.4% |
| Macoupin County | 43 | 26 | 10 | 23.3% |
| Macon County | 16 | 6 | 9 | 56.3% |
| St. Clair County | 15 | 6 | 6 | 40.0% |
| Greene County | 12 | 8 | 3 | 25.0% |
| Calhoun County | 8 | 4 | 2 | 25.0% |
| Montgomery County | 7 | 1 | 4 | 57.1% |
| Sangamon County | 6 | 4 | 1 | 16.7% |
| Clinton County | 5 | 2 | 2 | 40.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 626 applications in 2025, of which 402 were originated and 134 denied.
21.4% of all applications, or 23.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are 1st Midamerica Credit Union's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology