ASCENTRA Credit Union in Illinois vs the state
18.1%Denial rate+1.00 pts vs state
20.5%Decision denial rate-1.19 pts vs state
70.3%Origination rate+11.55 pts vs state
6.50%Median rate-0.25 pts vs state
0.23Rate spread (pts)-0.15 pts vs state
$73kMedian applicant income
194Loans originated
50Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 378 | 172 | 27.8% | 6.50% | #138 |
| 2024 | 370 | 172 | 35.7% | 6.63% | #152 |
| 2025 | 276 | 194 | 18.1% | 6.50% | #203 |
What ASCENTRA Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most ASCENTRA Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock Island County | 198 | 140 | 37 | 18.7% |
| Whiteside County | 31 | 25 | 4 | 12.9% |
| Henry County | 26 | 20 | 2 | 7.7% |
| Mercer County | 10 | 6 | 1 | 10.0% |
| Carroll County | 6 | 1 | 4 | 66.7% |
| Knox County | 2 | 0 | 1 | 50.0% |
| Bureau County | 1 | 0 | 1 | 100.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 1 | 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: 276 applications in 2025, of which 194 were originated and 50 denied.
18.1% of all applications, or 20.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans ASCENTRA Credit Union originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are ASCENTRA 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