IAA Credit Union in Illinois vs the state
6.1%Denial rate-11.02 pts vs state
6.5%Decision denial rate-15.19 pts vs state
87.8%Origination rate+29.06 pts vs state
6.44%Median rate-0.31 pts vs state
0.10Rate spread (pts)-0.28 pts vs state
$126kMedian applicant income
72Loans originated
5Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 82 | 1.1% | 6.50% | #351 |
| 2024 | 86 | 76 | 2.3% | 6.50% | #358 |
| 2025 | 82 | 72 | 6.1% | 6.44% | #380 |
What IAA Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most IAA Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLean County | 48 | 41 | 2 | 4.2% |
| Woodford County | 3 | 3 | 0 | 0.0% |
| Tazewell County | 3 | 3 | 0 | 0.0% |
| Will County | 2 | 2 | 0 | 0.0% |
| Sangamon County | 2 | 2 | 0 | 0.0% |
| Cook County | 2 | 1 | 1 | 50.0% |
| McHenry County | 1 | 0 | 1 | 100.0% |
| Champaign County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Winnebago County | 1 | 1 | 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: 82 applications in 2025, of which 72 were originated and 5 denied.
6.1% of all applications, or 6.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans IAA Credit Union originated in Illinois in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are IAA 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