Credit Union 1 in Illinois vs the state
27.3%Denial rate+10.18 pts vs state
41.8%Decision denial rate+20.16 pts vs state
36.8%Origination rate-21.93 pts vs state
6.63%Median rate-0.13 pts vs state
0.90Rate spread (pts)+0.52 pts vs state
$108kMedian applicant income
356Loans originated
264Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,218 | 408 | 39.1% | 9.00% | #61 |
| 2024 | 1,092 | 423 | 33.2% | 7.63% | #70 |
| 2025 | 967 | 356 | 27.3% | 6.63% | #80 |
What Credit Union 1 lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Credit Union 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 628 | 218 | 186 | 29.6% |
| DuPage County | 73 | 34 | 14 | 19.2% |
| DeKalb County | 56 | 25 | 7 | 12.5% |
| Will County | 50 | 24 | 14 | 28.0% |
| Kane County | 30 | 10 | 8 | 26.7% |
| Lake County | 28 | 7 | 8 | 28.6% |
| Sangamon County | 24 | 11 | 5 | 20.8% |
| Winnebago County | 12 | 3 | 5 | 41.7% |
| Kendall County | 12 | 4 | 5 | 41.7% |
| Champaign County | 12 | 5 | 5 | 41.7% |
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: 967 applications in 2025, of which 356 were originated and 264 denied.
27.3% of all applications, or 41.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Credit Union 1 originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Credit Union 1'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