FIRST NORTHERN Credit Union in Illinois vs the state
10.8%Denial rate-6.36 pts vs state
11.8%Decision denial rate-9.84 pts vs state
76.3%Origination rate+17.55 pts vs state
6.99%Median rate+0.24 pts vs state
0.75Rate spread (pts)+0.37 pts vs state
$110kMedian applicant income
383Loans originated
54Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 457 | 321 | 10.1% | 7.04% | #122 |
| 2024 | 512 | 310 | 15.0% | 7.24% | #116 |
| 2025 | 502 | 383 | 10.8% | 6.99% | #124 |
What FIRST NORTHERN Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most FIRST NORTHERN Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 247 | 200 | 19 | 7.7% |
| Cook County | 99 | 64 | 18 | 18.2% |
| Boone County | 36 | 25 | 4 | 11.1% |
| Will County | 21 | 14 | 4 | 19.0% |
| DuPage County | 20 | 12 | 2 | 10.0% |
| Ogle County | 19 | 18 | 0 | 0.0% |
| Kane County | 11 | 10 | 1 | 9.1% |
| Lake County | 10 | 9 | 0 | 0.0% |
| Stephenson County | 7 | 6 | 0 | 0.0% |
| Kankakee County | 6 | 4 | 1 | 16.7% |
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: 502 applications in 2025, of which 383 were originated and 54 denied.
10.8% of all applications, or 11.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans FIRST NORTHERN Credit Union originated in Illinois in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are FIRST NORTHERN 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