ADVIA Federal Credit Union in Illinois vs the state
28.6%Denial rate+11.45 pts vs state
33.4%Decision denial rate+11.76 pts vs state
55.0%Origination rate-3.79 pts vs state
7.00%Median rate+0.25 pts vs state
—Rate spread (pts)
$83kMedian applicant income
200Loans originated
104Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 303 | 162 | 31.4% | 8.00% | #164 |
| 2024 | 332 | 180 | 29.8% | 8.00% | #165 |
| 2025 | 364 | 200 | 28.6% | 7.00% | #169 |
What ADVIA Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most ADVIA Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McHenry County | 167 | 92 | 46 | 27.5% |
| Winnebago County | 74 | 46 | 19 | 25.7% |
| Lake County | 56 | 29 | 15 | 26.8% |
| Cook County | 39 | 21 | 13 | 33.3% |
| Kane County | 10 | 5 | 3 | 30.0% |
| DuPage County | 7 | 2 | 4 | 57.1% |
| Boone County | 6 | 5 | 0 | 0.0% |
| Ogle County | 2 | 0 | 2 | 100.0% |
| Stephenson County | 1 | 0 | 0 | 0.0% |
| Kendall County | 1 | 0 | 1 | 100.0% |
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: 364 applications in 2025, of which 200 were originated and 104 denied.
28.6% of all applications, or 33.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans ADVIA Federal Credit Union originated in Illinois in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are ADVIA Federal 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