Cornerstone Credit Union in Illinois vs the state
11.1%Denial rate-6.01 pts vs state
13.5%Decision denial rate-8.17 pts vs state
71.1%Origination rate+12.37 pts vs state
6.43%Median rate-0.33 pts vs state
0.64Rate spread (pts)+0.26 pts vs state
$74kMedian applicant income
64Loans originated
10Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 58 | 22.6% | — | #335 |
| 2024 | 91 | 57 | 18.7% | — | #352 |
| 2025 | 90 | 64 | 11.1% | 6.43% | #362 |
What Cornerstone Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Cornerstone Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stephenson County | 53 | 35 | 8 | 15.1% |
| Winnebago County | 19 | 14 | 2 | 10.5% |
| Whiteside County | 9 | 8 | 0 | 0.0% |
| Ogle County | 2 | 2 | 0 | 0.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
| LaSalle County | 1 | 1 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| DuPage County | 1 | 1 | 0 | 0.0% |
| Will County | 1 | 0 | 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: 90 applications in 2025, of which 64 were originated and 10 denied.
11.1% of all applications, or 13.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Cornerstone Credit Union originated in Illinois in 2025 was 6.43%, against a statewide median of 6.75%.
About this data. Figures are Cornerstone 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