Educators Credit Union in Illinois vs the state
34.3%Denial rate+17.17 pts vs state
36.4%Decision denial rate+14.68 pts vs state
42.9%Origination rate-15.88 pts vs state
6.13%Median rate-0.63 pts vs state
-0.16Rate spread (pts)-0.54 pts vs state
$111kMedian applicant income
15Loans originated
12Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 25 | 14.7% | 6.25% | #516 |
| 2024 | 35 | 18 | 42.9% | 6.81% | #504 |
| 2025 | 35 | 15 | 34.3% | 6.13% | #512 |
What Educators Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Educators Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 15 | 6 | 4 | 26.7% |
| Winnebago County | 10 | 5 | 3 | 30.0% |
| McHenry County | 5 | 4 | 1 | 20.0% |
| Cook County | 2 | 0 | 2 | 100.0% |
| DuPage County | 2 | 0 | 1 | 50.0% |
| DeKalb County | 1 | 0 | 1 | 100.0% |
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: 35 applications in 2025, of which 15 were originated and 12 denied.
34.3% of all applications, or 36.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Educators Credit Union originated in Illinois in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Educators 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