Credit Human Federal Credit Union in Illinois vs the state
62.6%Denial rate+45.48 pts vs state
63.1%Decision denial rate+41.43 pts vs state
27.6%Origination rate-31.10 pts vs state
8.80%Median rate+2.05 pts vs state
2.70Rate spread (pts)+2.32 pts vs state
$70kMedian applicant income
34Loans originated
77Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 25 | 79.2% | 7.90% | #228 |
| 2024 | 173 | 40 | 68.8% | 9.15% | #246 |
| 2025 | 123 | 34 | 62.6% | 8.80% | #316 |
What Credit Human Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 33 | 11 | 17 | 51.5% |
| Cook County | 28 | 11 | 17 | 60.7% |
| Will County | 9 | 5 | 3 | 33.3% |
| Madison County | 8 | 0 | 7 | 87.5% |
| St. Clair County | 6 | 2 | 4 | 66.7% |
| Kankakee County | 6 | 1 | 3 | 50.0% |
| McLean County | 4 | 0 | 4 | 100.0% |
| Macon County | 4 | 0 | 3 | 75.0% |
| Kane County | 3 | 1 | 2 | 66.7% |
| Pike County | 2 | 0 | 1 | 50.0% |
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: 123 applications in 2025, of which 34 were originated and 77 denied.
62.6% of all applications, or 63.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Credit Human Federal Credit Union originated in Illinois in 2025 was 8.80%, against a statewide median of 6.75%.
About this data. Figures are Credit Human 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