Alliant Credit Union in Illinois vs the state
31.6%Denial rate+14.43 pts vs state
37.0%Decision denial rate+15.33 pts vs state
51.8%Origination rate-6.91 pts vs state
7.25%Median rate+0.50 pts vs state
-0.13Rate spread (pts)-0.52 pts vs state
$143kMedian applicant income
777Loans originated
473Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 989 | 489 | 36.7% | 9.00% | #72 |
| 2024 | 1,096 | 570 | 31.8% | 5.75% | #69 |
| 2025 | 1,499 | 777 | 31.6% | 7.25% | #58 |
What Alliant Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Alliant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 794 | 354 | 288 | 36.3% |
| DuPage County | 186 | 114 | 45 | 24.2% |
| Will County | 129 | 83 | 32 | 24.8% |
| Lake County | 107 | 55 | 36 | 33.6% |
| Kane County | 76 | 46 | 19 | 25.0% |
| McHenry County | 64 | 38 | 15 | 23.4% |
| Kendall County | 38 | 25 | 5 | 13.2% |
| Grundy County | 19 | 11 | 5 | 26.3% |
| DeKalb County | 11 | 5 | 5 | 45.5% |
| Winnebago County | 9 | 8 | 0 | 0.0% |
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: 1,499 applications in 2025, of which 777 were originated and 473 denied.
31.6% of all applications, or 37.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Alliant Credit Union originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Alliant 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