First Community CU of Beloit in Illinois vs the state
27.1%Denial rate+9.93 pts vs state
30.8%Decision denial rate+9.16 pts vs state
60.7%Origination rate+1.92 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
74Loans originated
33Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 57 | 11.6% | 6.50% | #400 |
| 2024 | 123 | 88 | 17.9% | 7.25% | #299 |
| 2025 | 122 | 74 | 27.1% | — | #317 |
What First Community CU of Beloit lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most First Community CU of Beloit applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 67 | 48 | 9 | 13.4% |
| Stephenson County | 12 | 8 | 2 | 16.7% |
| Boone County | 9 | 7 | 1 | 11.1% |
| Ogle County | 5 | 5 | 0 | 0.0% |
| Carroll County | 2 | 2 | 0 | 0.0% |
| McHenry County | 2 | 1 | 1 | 50.0% |
| DeKalb County | 2 | 2 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Lake 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: 122 applications in 2025, of which 74 were originated and 33 denied.
27.1% of all applications, or 30.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Community CU of Beloit'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