GREENSTATE Credit Union in Illinois vs the state
7.1%Denial rate-10.02 pts vs state
8.7%Decision denial rate-13.01 pts vs state
69.9%Origination rate+11.14 pts vs state
6.75%Median rate0.00 pts vs state
0.33Rate spread (pts)-0.05 pts vs state
$102kMedian applicant income
3,954Loans originated
402Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,477 | 3,020 | 6.3% | 6.88% | #16 |
| 2024 | 4,509 | 3,114 | 8.8% | 6.88% | #19 |
| 2025 | 5,658 | 3,954 | 7.1% | 6.75% | #17 |
What GREENSTATE Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most GREENSTATE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1,507 | 948 | 156 | 10.4% |
| Winnebago County | 928 | 701 | 42 | 4.5% |
| DuPage County | 552 | 364 | 34 | 6.2% |
| Kane County | 413 | 327 | 12 | 2.9% |
| Will County | 405 | 293 | 30 | 7.4% |
| Lake County | 383 | 261 | 18 | 4.7% |
| Rock Island County | 329 | 259 | 14 | 4.3% |
| McHenry County | 221 | 154 | 13 | 5.9% |
| Stephenson County | 185 | 130 | 12 | 6.5% |
| Boone County | 149 | 110 | 12 | 8.1% |
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: 5,658 applications in 2025, of which 3,954 were originated and 402 denied.
7.1% of all applications, or 8.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans GREENSTATE Credit Union originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are GREENSTATE 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