Decatur Earthmover Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
25th17.4% deniedPricingmedian rate spread over APOR, weight 30%
30th0.48 ptsProcesswithdrawn + incomplete share, weight 15%
69th7.7%Closing coststotal loan costs ÷ loan amount, weight 10%
86th0.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 111 | 78 | 21.6% | 23.5% | 6.25% | $4.5M |
| 2024 | 133 | 97 | 15.0% | 17.1% | 6.60% | $5.6M |
| 2025 | 156 | 119 | 16.0% | 17.4% | 6.15% | $9.9M |
What Decatur Earthmover Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 3 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why Decatur Earthmover Credit Union denies applications
Primary reason reported for each of the 25 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Decatur Earthmover Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 15 | 37.5% |
| $50k – $100k | 66 | 52 | 17.5% |
| $100k – $150k | 38 | 29 | 12.1% |
| $150k – $250k | 22 | 19 | 5.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 23 | 20 | 9.1% |
| 45–54 | 39 | 28 | 17.7% |
| 55–64 | 38 | 30 | 18.9% |
Where Decatur Earthmover Credit Union lends
1 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 156 | 119 | 16.0% | 6.15% | #289 |
Frequently asked questions
Decatur Earthmover Credit Union denied 17.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of small mortgage lenders.
The most common reason Decatur Earthmover Credit Union gave in 2025 was "other", cited on 44.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Decatur Earthmover Credit Union originated in 2025 was 6.15%, and its median rate spread over the average prime offer rate was 0.48 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 26% of its applications were for home purchases, 6% for refinancing (including cash-out), and 69% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.