Communityamerica Credit Union in Illinois vs the state
23.5%Denial rate+6.41 pts vs state
36.4%Decision denial rate+14.68 pts vs state
41.2%Origination rate-17.56 pts vs state
6.38%Median rate-0.38 pts vs state
-0.09Rate spread (pts)-0.48 pts vs state
$170kMedian applicant income
14Loans originated
8Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 3 | 50.0% | 6.50% | #755 |
| 2024 | 27 | 20 | 3.7% | 6.49% | #546 |
| 2025 | 34 | 14 | 23.5% | 6.38% | #517 |
What Communityamerica Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Communityamerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 7 | 4 | 1 | 14.3% |
| Cook County | 7 | 2 | 2 | 28.6% |
| McHenry County | 4 | 0 | 3 | 75.0% |
| Madison County | 4 | 2 | 1 | 25.0% |
| Kane County | 2 | 0 | 0 | 0.0% |
| DeKalb County | 2 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Wabash County | 1 | 0 | 1 | 100.0% |
| Sangamon County | 1 | 0 | 0 | 0.0% |
| Stephenson 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: 34 applications in 2025, of which 14 were originated and 8 denied.
23.5% of all applications, or 36.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Communityamerica Credit Union originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Communityamerica 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