Lafayette Federal Credit Union in Illinois vs the state
16.7%Denial rate-0.45 pts vs state
18.2%Decision denial rate-3.50 pts vs state
75.0%Origination rate+16.26 pts vs state
8.00%Median rate+1.25 pts vs state
0.73Rate spread (pts)+0.35 pts vs state
$145kMedian applicant income
9Loans originated
2Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 12 | 23.8% | 8.88% | #583 |
| 2024 | 18 | 13 | 16.7% | 9.25% | #596 |
| 2025 | 12 | 9 | 16.7% | 8.00% | #669 |
What Lafayette Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 5 | 4 | 1 | 20.0% |
| Lake County | 4 | 3 | 1 | 25.0% |
| Menard County | 1 | 0 | 0 | 0.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| Will 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: 12 applications in 2025, of which 9 were originated and 2 denied.
16.7% of all applications, or 18.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Lafayette Federal Credit Union originated in Illinois in 2025 was 8.00%, against a statewide median of 6.75%.
About this data. Figures are Lafayette Federal 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