Empeople Credit Union in Illinois vs the state
20.5%Denial rate+3.39 pts vs state
23.7%Decision denial rate+2.04 pts vs state
65.3%Origination rate+6.59 pts vs state
6.49%Median rate-0.26 pts vs state
-0.34Rate spread (pts)-0.72 pts vs state
$97kMedian applicant income
309Loans originated
97Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 427 | 268 | 18.0% | 6.99% | #128 |
| 2024 | 475 | 309 | 15.2% | 6.75% | #124 |
| 2025 | 473 | 309 | 20.5% | 6.49% | #132 |
What Empeople Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock Island County | 265 | 175 | 57 | 21.5% |
| Henry County | 77 | 55 | 16 | 20.8% |
| Mercer County | 18 | 9 | 4 | 22.2% |
| Cook County | 15 | 11 | 1 | 6.7% |
| Whiteside County | 12 | 10 | 1 | 8.3% |
| Jo Daviess County | 9 | 4 | 4 | 44.4% |
| Knox County | 8 | 3 | 3 | 37.5% |
| Lake County | 7 | 6 | 1 | 14.3% |
| McDonough County | 6 | 2 | 3 | 50.0% |
| DuPage County | 6 | 4 | 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: 473 applications in 2025, of which 309 were originated and 97 denied.
20.5% of all applications, or 23.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Empeople Credit Union originated in Illinois in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Empeople 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