DuPage 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
22nd33.4% deniedPricingmedian rate spread over APOR, weight 30%
38th0.28 ptsProcesswithdrawn + incomplete share, weight 15%
41st14.2%Closing coststotal loan costs ÷ loan amount, weight 10%
62nd2.69% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 847 | 526 | 24.6% | 28.2% | 7.75% | $55M |
| 2024 | 1,004 | 576 | 27.5% | 31.9% | 7.75% | $67M |
| 2025 | 992 | 558 | 28.6% | 33.4% | 7.50% | $77M |
What DuPage 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: 630 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 24 investment properties.
Why DuPage Credit Union denies applications
Primary reason reported for each of the 284 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at DuPage 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 | 38 | 9 | 73.0% |
| $50k – $100k | 199 | 85 | 51.2% |
| $100k – $150k | 266 | 150 | 34.1% |
| $150k – $250k | 322 | 211 | 21.8% |
| Over $250k | 160 | 97 | 22.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 108 | 40 | 50.0% |
| 35–44 | 288 | 156 | 33.8% |
| 45–54 | 286 | 180 | 29.3% |
| 55–64 | 195 | 117 | 29.1% |
| 65–74 | 82 | 44 | 38.9% |
| Over 74 | 31 | 20 | 31.0% |
Where DuPage Credit Union lends
8 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 984 | 558 | 28.3% | 7.50% | #78 |
Frequently asked questions
DuPage Credit Union denied 33.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of home-equity (HELOC) lenders.
The most common reason DuPage Credit Union gave in 2025 was "debt-to-income ratio", cited on 60.2% 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 DuPage Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 14% of its applications were for home purchases, 27% for refinancing (including cash-out), and 59% 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.