Decatur Earthmover Credit Union in Illinois vs the state
16.0%Denial rate-1.09 pts vs state
17.4%Decision denial rate-4.32 pts vs state
76.3%Origination rate+17.54 pts vs state
6.15%Median rate-0.60 pts vs state
0.48Rate spread (pts)+0.10 pts vs state
$88kMedian applicant income
119Loans originated
25Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 78 | 21.6% | 6.25% | #320 |
| 2024 | 133 | 97 | 15.0% | 6.60% | #287 |
| 2025 | 156 | 119 | 16.0% | 6.15% | #289 |
What Decatur Earthmover Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Decatur Earthmover Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macon County | 105 | 79 | 19 | 18.1% |
| Moultrie County | 12 | 10 | 2 | 16.7% |
| Shelby County | 7 | 6 | 1 | 14.3% |
| Piatt County | 7 | 6 | 0 | 0.0% |
| Edgar County | 5 | 3 | 0 | 0.0% |
| Sangamon County | 4 | 3 | 1 | 25.0% |
| De Witt County | 4 | 2 | 1 | 25.0% |
| Christian County | 2 | 1 | 0 | 0.0% |
| McLean County | 2 | 2 | 0 | 0.0% |
| Peoria 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: 156 applications in 2025, of which 119 were originated and 25 denied.
16.0% of all applications, or 17.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Decatur Earthmover Credit Union originated in Illinois in 2025 was 6.15%, against a statewide median of 6.75%.
About this data. Figures are Decatur Earthmover 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