Marine Credit Union in Illinois vs the state
47.4%Denial rate+30.25 pts vs state
59.2%Decision denial rate+37.53 pts vs state
24.2%Origination rate-34.53 pts vs state
9.61%Median rate+2.86 pts vs state
3.49Rate spread (pts)+3.11 pts vs state
$79kMedian applicant income
23Loans originated
45Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 22 | 34.1% | 8.81% | #360 |
| 2024 | 89 | 27 | 38.2% | 9.63% | #355 |
| 2025 | 95 | 23 | 47.4% | 9.61% | #354 |
What Marine Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Marine Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock Island County | 48 | 12 | 23 | 47.9% |
| Mercer County | 14 | 2 | 7 | 50.0% |
| Lake County | 7 | 1 | 4 | 57.1% |
| Winnebago County | 6 | 1 | 3 | 50.0% |
| Whiteside County | 5 | 1 | 4 | 80.0% |
| Henry County | 3 | 0 | 1 | 33.3% |
| Stephenson County | 2 | 1 | 1 | 50.0% |
| Mason County | 2 | 2 | 0 | 0.0% |
| Carroll County | 1 | 0 | 0 | 0.0% |
| Cook County | 1 | 0 | 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: 95 applications in 2025, of which 23 were originated and 45 denied.
47.4% of all applications, or 59.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Marine Credit Union originated in Illinois in 2025 was 9.61%, against a statewide median of 6.75%.
About this data. Figures are Marine 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