Financial Plus Credit Union in Illinois vs the state
8.1%Denial rate-9.03 pts vs state
8.1%Decision denial rate-13.59 pts vs state
89.8%Origination rate+31.05 pts vs state
5.75%Median rate-1.00 pts vs state
-0.62Rate spread (pts)-1.01 pts vs state
$117kMedian applicant income
211Loans originated
19Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 83 | 16.0% | 6.75% | #327 |
| 2024 | 161 | 116 | 16.8% | 6.07% | #262 |
| 2025 | 235 | 211 | 8.1% | 5.75% | #226 |
What Financial Plus Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Financial Plus Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| LaSalle County | 157 | 141 | 12 | 7.6% |
| Grundy County | 30 | 26 | 3 | 10.0% |
| Will County | 13 | 11 | 2 | 15.4% |
| Bureau County | 12 | 10 | 2 | 16.7% |
| Lee County | 6 | 6 | 0 | 0.0% |
| Putnam County | 5 | 5 | 0 | 0.0% |
| Kendall County | 3 | 3 | 0 | 0.0% |
| Kankakee County | 3 | 3 | 0 | 0.0% |
| DeKalb County | 2 | 2 | 0 | 0.0% |
| Livingston County | 2 | 2 | 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: 235 applications in 2025, of which 211 were originated and 19 denied.
8.1% of all applications, or 8.1% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Financial Plus Credit Union originated in Illinois in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are Financial Plus 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