I. H. Mississippi Valley Credit Union in Illinois vs the state
14.1%Denial rate-3.07 pts vs state
16.6%Decision denial rate-5.07 pts vs state
63.4%Origination rate+4.64 pts vs state
6.38%Median rate-0.38 pts vs state
-0.12Rate spread (pts)-0.50 pts vs state
$72kMedian applicant income
469Loans originated
104Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 710 | 428 | 20.9% | 7.25% | #86 |
| 2024 | 750 | 474 | 16.8% | 6.38% | #90 |
| 2025 | 740 | 469 | 14.1% | 6.38% | #99 |
What I. H. Mississippi Valley Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most I. H. Mississippi Valley Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock Island County | 446 | 287 | 67 | 15.0% |
| Henry County | 112 | 76 | 10 | 8.9% |
| Knox County | 58 | 35 | 6 | 10.3% |
| Mercer County | 33 | 23 | 1 | 3.0% |
| Warren County | 26 | 13 | 5 | 19.2% |
| Whiteside County | 23 | 14 | 5 | 21.7% |
| McDonough County | 6 | 2 | 3 | 50.0% |
| Henderson County | 5 | 2 | 1 | 20.0% |
| McLean County | 4 | 2 | 1 | 25.0% |
| Peoria County | 3 | 3 | 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: 740 applications in 2025, of which 469 were originated and 104 denied.
14.1% of all applications, or 16.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans I. H. Mississippi Valley Credit Union originated in Illinois in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are I. H. Mississippi Valley 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